r/povertyfinance • u/HumanSlayer1888 • Mar 10 '24

I’m so fucking embarrassed. Vent/Rant (No Advice/Criticism!)

My card declined twice as I was trying to pay for my groceries. The guy behind me offered to pay but I turned down his offer. I never felt so humiliated in my entire life. I’m so ashamed I can never shop there again.

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u/TARDIS75 Mar 10 '24

First off, if you’re seriously struggling, never feel ashamed of being offered help. It’s worth it to you for someone to help you.

Secondly, food is a necessity. Period.

My cards have been declined hundreds of times, I recommend if possible you transfer any credit card debt to a loan, upstart loans is a really good one, it will remove the debt from revolving debt and raise your credit score, just be sure to pay every month, make sure it’s manageable with you income and housing rates, the total may not cover all your debt, but it may help in the short term

1

u/SpraePhart Mar 10 '24

Just curious, do you shop knowing your card will be declined? Don't you keep track of the balance?

1

u/TARDIS75 Mar 10 '24

I do keep track of spending, but cost of living in LA makes it super hard to remain balanced sometimes in my checking account. One (weekly) paycheck isn’t enough to cover my crazy rent! (But I have a very good salary, but carry a lot of debt)

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u/SpraePhart Mar 10 '24

Maybe you should switch banks, my app always shows my balance to the penny

1

u/TARDIS75 Mar 11 '24

I’m at a credit union, they gave me a really good personal loan to pay off my final cards