Trusting someone blindly in financial matters can often turn into a costly mistake, as one man is currently finding out the hard way. Engaged to be married soon, he now finds himself staring at a staggering credit card debt of approximately 3.5 lakh rupees. He had handed over his credit card to a friend for use, but that same friend is now evading his calls and ignoring his messages, refusing to clear the mounting dues. The distressed man took to Reddit to share his ordeal, laying bare the full sequence of events that led to this financial nightmare.
The Background of Trust and Previous Transactions
According to the victim, his friend works as an event manager in Mumbai. On several prior occasions, the friend had borrowed and used his credit card, but every single time, he had repaid the amount promptly without causing any issues. Because of this reliable track record of timely payments in the past, the man had absolute faith in him. Driven by this deep-rooted trust, he once again permitted his friend to use the credit card, completely unaware that this instance would unfold in an entirely different and disastrous manner.
Foreign Travel and Accumulation of Heavy Dues
This time around, the friend embarked on a foreign trip and heavily utilized the credit card to book flight tickets, cover travel-related expenses, and clear some older pending dues. As a result, the total outstanding amount on the card ballooned to roughly 3.5 lakh rupees. In the initial days of the trip, communication remained open, and the friend repeatedly reassured him that the money would be returned without delay. However, the scenario shifted dramatically after about two weeks, when the friend abruptly stopped picking up phone calls and responding to texts, failing to return the funds by the promised deadline.
Ignoring Calls While Staying Active on Social Media
The victim revealed that his friend refuses to answer his phone calls and never bothers to call back. Although he has not blocked him entirely and occasionally throws in a cold, brief text reply, meaningful communication has completely broken down. What hurts the man the most is that he can still view his friend's social media updates, where the latter is seen hanging out, partying, and living a totally normal life. These online posts clearly indicate that the friend is not trapped in any genuine emergency or unreachable situation, but is rather dodging his financial responsibilities intentionally.
Desperate to resolve the issue, the man even enlisted a mutual friend to reach out, but that effort yielded no results either. He openly admitted on the forum that letting someone else spend such a large amount using his credit card was entirely his own error in judgment, especially when he was already relying on those funds for his upcoming wedding in December. With the billing cycle looming large, he is caught in a severe financial crisis. His regular salary is simply not enough to manage his daily expenses alongside a sudden 3.5 lakh rupee credit card bill, leaving him terrified that he will be forced to shoulder the crushing debt himself if his friend continues to ghost him.
Following his post on Reddit, several community members weighed in with their thoughts and advice. Many users pointed out that placing blind trust in friends regarding substantial amounts of money is a recipe for disaster. Others warned him that failing to pay the upcoming credit card bill on time will severely damage his credit score, urging him to arrange for the payment before the due date by any means necessary. Some users strongly recommended confronting the friend firmly and exploring legal avenues if the funds are not returned promptly.
