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Any thoughts on Analog Folk?
Hi,
Is anyone facing same situation?
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Rising Star
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Has he spent on some personal fun? 3 lakh bill is huge for a month until you had some travel planned or some function at home in last month. Thoda Shaq ki sui ghumao aur pata karo chal kya raha hai ye sab!! Statement dekho. Hopefully all good 👍
Usually noone pays rent via credit card, it is mostly paid via account or debit card. 3L is huge amount unless there is pending bill from previous months. You should enquire more and take prompt action. I can see something not right here.
May be 404 error. Are you sure you are in good terms with your husband.. why because if you are , you would not have asked this discussion here ..
Second thing - 3lakh is a big amount to go unnoticed if did something without your knowledge.
In either case go confront/discuss him.
#nooffence
Give him else he will have to pay around 30-40% interest which obviously he won't be interested in paying. I keeping looting my wife in similar fashion. Paisa hi nahi deti otherwise😁
Rising Star
@consultant 2 : I saw IPhone with her mom . Not sure which model . When asked for they said it’s old one . Kharab ho gaya tha . Banakr use kr rehe . Red IPhone back me Do camera single line me . I m poor at recognising IPhone !!!
Don't know why married couple have so much gap and distrust now. How can relationships work in such a way. It seems so suffocating. why to beat around the bush? He is your husband, you should ask clearly what has he spent that much amount on. Ask him to show you the bills and everything. Ideally you both should have all your financials and account credentials shared with each other.
then both of you need to sit and talk, include senior members of family if you can. surely both of you need guidance and help. I'm saying both because you should have already talked to your husband if you knew where is your relationship going, but going by ypur post you definitely don't, and I'm sorry for both of you but hopeful that you'll figure it out and have a long and happy life together. cheers.
May be he spent on online rummy?. It's dangerous
Pro
CGI 1 : Are your sure ? Credit card bill cant go upto 3 lakh ???
Chief
Don't give him. Why should you give your salary to his incurred bill on credit card..he should own it.. stay away from giving him financial support..
Let him find his own solution to this mess. Else he'll have you as back whenever things turn out like this..
If you dont know anything about relationship than dont advice someone like this.
U can ask him casually k itna kya kr liya tumne...And then can decide. If the money is spent on household items, or any travel trip which u guys hv tkn up u should support.
Kaise chalegi ye shadiya jinke liye advice fishbowl par Li Jaa rhi hai🤐
Pro
Eggjactly sir . That is my point too
Chief
As someone said first find out what was the reason - unless you are someone who completely trusts your spouse blindly. Not saying you should not have trust, but 3 lakhs is a big amount for you to not be aware of having being spent on something.
Datewise, yes 30-45 days is norm for returning amount without incurring heavy interest, so yes it's better financially as a couple to clear that off fast.
Credit cards limits can be very high, depends on how long he has been holding, I know people with limits in 7 figures as well.
How much he earns?
Pro
Guys Hé showed me as of now Credit card . He has 26 lakh coins with him which means he made a payment of 26 lakh as of now . Is it possible ?
26 lakhs 😂 i have 13 lakhs coins that doesn’t mean I paid 13 lakhs to my credit cards .. CRED had a option called coin generator it will give free coins every day from 6k to 18k lol maybe he had those
Gali do husband ko
Rising Star
Credit card bill in generally payeable at a fix date every month.
You can check the maximum limit of credit card to know if 3 lacs can be spent on that card.
If you dont want to pay innone go, you can do via installments but there will be interest charged on that.
Spending 3 lacs in a month is definitely possible if you buy some costly stuffs. Try to pay in one shot if you have money or pay in installments with high interest..that's your call.
Pro
@wipro : I don’t see any costly stuff in my home .
I would suggest first to take a look at his current credit card statement to check what he spent it on. Then have a chat with him on what he spent based on the credit card statement and then decide. Based on this if you think he spent on something like electronic gadgets or stuff you could just warn him and pay it up. But you will have to decide since you will be the one paying up, but make sure to think with a clear mind and then proceed.
And the billing cycle will be every 45-50 days, so this is the bill for close to 2 months. Also make sure to see if your hubby is still working, since I've seen some people to lie and spend it in credit till they get a job.
‘Billing cycle will be every 45-50 days’ that’s not true. Billing cycle is always 30 days. And then you get another 15 days to pay the bills. So The expenses must have been incurred within 30 days only.
Pro
@pwc 1 : I don’t see anything in place as such .
I am generally very MRA kinda person, but this marriage is very shady .
@deloitte , this seems more like financial exploitation than marriage. Don’t be a patsy, ask for the financial records.
Please see find the credit card statement
I think he maybe lying it is not credit card, it is his loss in stock market or crypto
Nowadays lot of working people are ruining their lives by trading
Please try to find the reason this can become very dangerous
Chief
I just said a place where someone may spend a lot on, i am not even aware if it's possible to buy crypto using credit card.
The credit cards generally has a due date of 15 days from the time the statement gets generated (so max 45 days from the day the expenses were incurred). That said if it’s ‘really’ credit card bill, you should pay it and try to find it later so you can save on high interest. But as others have said, it’s doubtful since you’d have known where such a big amount was spent (eg travel, buying stuffs and so on). I would suggest to ask him politely where this amount was spent (just say you’re asking so you want to be careful in future towards expenses) and possibly see the stmt. And there’s absolutely nothing wrong in it. Without knowing the details, it’s not a good idea to give him the money. Also, you said in one of the comments, “he always said he spent all his money in wedding”. Well, even in that he would have spent from his ‘past earned’ money and he’s earning currently. Isn’t it? Or he took loan for that and trying to pay a part of it by not telling you directly? Or he’s just trying to recover some money out of the total he spent on wedding indirectly (some people think like that). You should find the details by having an honest conversation. And as I said, it’s totally fine and healthy to have the transparency between both of you and you should ask and know every details.
3 lakhs expenses in a month on a credit card while being in India is too much. Unless spent on white goods or gambling or taken a loan on credit card. White goods you would have seen if bought in the house (unless bought for someone else), gambling is very common to use cards to fund that habit, and if he has taken a loan on credit card or withdrawn cash on the card, you will find it on the statement. Please don't get me wrong, but a friend's husband once got honey trapped and was forced to buy all kinds of stuff like gold jewellery etc running him into lakhs of debt. And after a lot of courage he raised a police complaint and ended the matter but with a lot of loss of reputation to him. So you need to be mindful and supportive of what your husband is going through. Try to figure out where the 3 lakhs went before you pay for it
You pay him now, but levy the same interest as the credit card company.