Man Refuses to Pay for Half of His Ex's Credit Card Debt

Kagweni Micheni
Jun 21, 2020
10:00 P.M.

Break-ups are never easy; on top of all the emotions involved in leaving your loved ones, it can often get messy when dividing all the things that you shared. But should that include credit card debt?


Relationships can be beautiful, you get to spend time with your best friend, and your life is a pink haze of romantic love, however when things go sour, how do you decide to split the stuff you have, and should that include debt?

In the popular Reddit group "AITA" (Am I the A-hole), one man put across the question of whether he was in the wrong for refusing to pay for his ex-girlfriend's credit card debt.

Woman shopping online| Photo: Pexels

Woman shopping online| Photo: Pexels


Their relationship started in high school, and the couple was together for over ten years. They even lived with the girl's parents. However, due to COVID-19, the man lost his job; yet, up until then, he had been paying for everything. He said,


"She was going to school for a business degree and I told her I would help cover all of her costs. Well, she had blown through $6000 worth of credit cards where she had me as an authorized user."

He added that he was paying for all the cards as well as letting his then-girlfriend use his credit and debit cards. That is until she decided to end things.

Woman holding credit card| Photo: Andrea Piacquadio from Pexels

Woman holding credit card| Photo: Andrea Piacquadio from Pexels


In May, she decided to break up with the man. However, she promised that she would do her best to pay him back for all the money he had spent during their relationship.


After breaking up with him, she now decided to ask him to pay for half of her credit card debt.

But he refused. He told her that he did not want anything back. You would think that would be the end of it, but three weeks later, his now ex-girlfriend returned with a strange request.

Couple of hands| Photo: fotografierende from Pexels

Couple of hands| Photo: fotografierende from Pexels


After breaking up with him, she now decided to ask him to pay for half of her credit card debt, claiming that the purchases had been made as a couple. He wrote,

"I tried settling with her and telling her I'd pay any charges on the card that were made by me. Which ended up totaling around $200. She refused and asked me to pay for half and threatened to take me to court over the $3000 she was asking for."


Despite him trying to negotiate with his ex-girlfriend, she refused to accept anything other than him paying half. So he decided to block the charges made from the cards, telling her to contact him when she was ready to talk.

Couple fighting| Photo: Vera Arsic from Pexels

Couple fighting| Photo: Vera Arsic from Pexels


Now the girl refused to take him off as an authorized user as well as refusing to take off his checking account as a payment method, sure that he would continue to pay - something that he has categorically refused.

While he does feel bad that she would find it difficult to pay back the full debt, the man adds that she did kick him out of the only place he had to live at the time.

Young man taking luggage out of car| Photo: Ketut Subiyanto from Pexels

Young man taking luggage out of car| Photo: Ketut Subiyanto from Pexels

Thankfully, things have turned around for the man, after landing on his feet, getting some money, and getting his own place. He may have lost a girlfriend, but he's doing great.

The man added that both of her parents knew about her debt and that she would probably force them to pay it. What do you think? Was he obligated to pay for the cards, or was she being unreasonable?

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