Panic Sets In As Lesser-Loved Daughter Refuses To Help Mom Pay Off Her Huge Credit Card Loan

You can't actually point out the amount of credit card debt that is deemed excessive. Rather, it is dependent upon your personal financial circumstances and the way you use your credit card..

What constitutes excessive credit card debt relies on the particulars of your own financial circumstances. You can determine how much credit card debt might be too much for your household by looking at your credit utilization ratio, interest rates, and the effect on your entire household costs.

To cut a long story short, having a large amount of credit card debt can be both financially and emotionally taxing, even though there are certain exceptions. The OP of today's story is an interest-free bank to her mom and sister, who is clearly the favorite.

You see, OP's mom raised her and her sister as a single mom, and money was always tight. They are relatively low contact because OP's the one she comes to for advice and help, but she doesn't follow it.

A few years back, OP's mom came to her struggling and asked for some help. It happened that she had accrued around $6k in credit card debt.

She did help without taking any interest, but you can guess who came back again with more credit card debts. The full story lies below, so keep scrolling down to check it out.

And the OP kicks off her story with a headline...

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OP's mom raised her and her sister as a single mom

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OP stressed the importance of not spending more than she could afford

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In total, the OP has loaned both of them close to $13K in the past 4-5 years

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And the conversation goes like this...

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She brings it up again because she wants advice and help

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She's spending more than she's taking in and needs a job

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OP has offered the following explanation for why they think they might be the AH:

My mom asked for money I'm considering not giving it to her due to past history.

And the comments roll in...

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OP's mom needs a credit card counsellor

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It's an obligation for parents to care for their kids

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OP's mom knows that she will be bailed out

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The OP should start therapy about her inability to turn them down

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If they really cared, then they would understand

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There is a difference in the OP helping them and she enabling them

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The OP would be an idiot to give them any more money again

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Debt is something that no one wants to have, but it can happen too easily and very rapidly. Unexpected medical expenditures, emergency expenses, and even regular spending that mounts up, like groceries, are some of the most frequent items that cause people to incur credit card debt.

OP's mom simply doesn't want to learn but she's about to learn the hard way as OP was declared not the AH. Drop your own verdict in the comments section below and share as well.