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The Ramsey Show Highlights

My Boyfriend Secretly Spent $11,000 on My Credit Card

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5839 Ratings

🗓️ 20 May 2026

⏱️ 10 minutes

🧾️ Download transcript

Summary

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Transcript

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0:00.0

Brought to you by the Every Dollar app.

0:04.3

Start budgeting for free today.

0:06.7

My current living boyfriend, who I plan to serve a 30-day notice too, very soon.

0:15.8

He ran up to my credit card, and I've been following the baby steps, and I've paid everything

0:23.7

off except for those two credit cards, and it was actually the baby steps that helped me

0:29.0

realize that those two carts have been run up. I didn't realize it at the time. And I guess

0:35.6

I'm just looking for, I guess, a way through to figure out if there's a possibility

0:43.1

for me to recoup my money back.

0:45.3

Yeah.

0:46.4

I'm paying for it because it's on my credit.

0:49.4

Yeah.

0:49.9

Well, was he an authorized user on your card?

0:52.0

How did he get access?

0:54.2

He was not an authorized user on your card? How did he get access? He was not an authorized user on my card.

0:57.9

So at the time, still we're living together, and we had a mosquito tick flea service that we were supposed to be paying for.

1:07.1

They said they wanted to do, like, the automatic, they wanted to charge us automatically.

1:12.8

And I was at home at the time as though I used my credit card and gave it to them.

1:17.5

And he said, you know, don't worry about it.

1:20.0

I'll pay for the service.

1:22.3

And so that's how it started.

1:25.6

So he grabbed your credit card while he was at home. Saw it on a table? What happened? No, I gave it to them. You did it, okay. With the promise that he was going to pay it back? Yeah, and they would be charging a card every month. It's a monthly recurring charge, and then he would, you know, that was it. That was part of one of his bills.

1:44.5

He was part of the household.

...

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