My Father-In-Law Needs 1 Million Credit Card Points And Wants Us To Help!

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[@rustymozzy]

I wouldn't want my in-laws having a complete list of all my spending in a neat printed statement each month. That's none of their business.

[@d_all_in]

Even if they were gonna use points why wouldn't they just get their own cards. The pay back dad scheme is the worst part of this.

[@beckypetersen2680]

I would absolutely not do that scheme with FIL. Mixing up all the money and then paying him back - sounds like a recipe for disaster.

[@michaeldeason1906]

Also, whose to say he doesn’t use the points fir something else for himself?

[@angel-ij4xv]

step dad trying to set them up

[@TonyCox1351]

This is such an easy problem to solve… just don’t use the card. No need to have a convo with dad before hand, he’ll figure it out when the balance is $0

[@Chromewarrior]

Putting the kids in that position is not a good idea.

[@sharp52092]

Good grief, just save up the money.

[@B_22_5]

Much easier to just get points and fly first class. That’s what I do at least.

[@9liveslisa]

There is no free lunch in life.

[@PhilipMarcYT]

I did a similar thing. I had an AMEX card and the cashback during the first three months was great, so I asked one of my sisters if she wanted to be part of my card and she said yes. Unfortunately, she kept spending and spending, money she didn't have and now I'm paying the debt. Stupid me thinking people would be responsible adults. Never again will I loan family members money of any kind.

[@angel-ij4xv]

the only card i use is my pre paid debit card

[@retardedwallabe8297]

I only keep a debt card that cant get a negative balance

[@theAppleWizz]

Lol

[@BlueDauntless]

Stupid tax

[@andreathompson9605]

Sounds like he is trying to control the family.

[@davidloy4794]

It's totally doable under a different plan and it wouldn't even need to involve the kids. That's a terrible idea to mix each others finances for MR points.

[@wyattpotter2103]

I saw the title and bursted out laughing.

[@denisemckinney3973]

I know how. You just say NO! I refuse to participate in other people’s schemes. Please!

[@andnew1335]

Just put $100 aside every month for 48 months. And what do you know, you got 5k each for your trip

[@andrebyman8744]

The point is to lower the cost of the trip…

[@johncameron4194]

Trust me saving up is better.

[@johncameron4194]

Save elsewhere

[@littlebob1261]

@@johncameron4194 Saving money for four years is better than reaping rewards for being responsible? Weird

[@vanesslifeygo]

This is the most self destructive goal I have seen this week

[@rthilson]

If they would have spent $700 in cash at Costco and the transmission fell out they still wouldn’t Have the money anyway

[@TonyCox1351]

Yes but they’d owe the credit card company, and not their father in law

[@rthilson]

@@TonyCox1351 no difference

[@jackjumper4231]

I agree with every word both of them have said, I would also add one point if you as a family save and sacrifice for this they will enjoy the vacation so much more. Never underestimate the power of delayed gratification

[@homes1001]

I really appreciate John's point of view on this. Thank you.

[@Bob-yh7ir]

The trip is in 2024. Save up the money to go for petes sake ! How hard is it? If you can't save in 1.5+ years to cover air fare for the trip YOU CAN'T AFFORD IT- period ! He is going to find that if they get the points, the time frame and flights that they will be able to use will be a pain to organize the rest of your trip around.

[@bensondentalassociates8690]

Nah it’s not that hard to find good flights with points

[@B_22_5]

Points are confusing for those who don’t get the game. Those that do save tons.

[@bensondentalassociates8690]

@@B_22_5 exactly. Flights and hotels are basically a steal with points

[@tstanley01]

Because it is free money...You'd be crazy not to if you have the discipline to not carry a balance...

[@erikrohr4396]

If you have the points to cover it, then you can afford it.

[@rayb6852]

Father in law is on his own

[@lvlndco]

I had what was supposed to be enough points on my Frontier card to buy a round trip ticket. It was enough for the basic fee, but then they add a fee then another and tax and luggage...It ended up costing $150 for that "free" ticket. If he doesn't budget for the extras he will have a rather unpleasant surprise.

[@dirkl9652]

Beware of Frontier. Nicle and dime airline

[@B_22_5]

First mistake is flying frontier or other low cost carriers. Points are way more valuable for full service airlines.

[@angel-ij4xv]

they will be in for a surprise

[@1kSedrick]

Even if it did work, he would just wanna do it again for more trips 🤣🤣

[@lacrossewacker]

Not to mention the annual maintenance on some of these cards! Annual fees could be $400-$500

[@jameswoods6900]

There are no fees if you pay every month!

[@lacrossewacker]

@@jameswoods6900 no, I have the chase sapphire reserved, it’s something around $500 annually now. Paid 106k on my credit card last year, never carry a balance for more than 2 weeks. Still, 500ish a year to have the card

[@Kevin.Simons]

@@jameswoods6900 No, I think Amex is like $500 per year.

[@erikmarchese4290]

@@jameswoods6900Not true, Amex Annual Fee still applies even if you pay your full balance monthly & no interest.

[@natelevy1040]

​@@jameswoods6900 Many cards have an annual fee if you use it or not.

[@hunter_greene]

PSA: Costco doesn't accept AMEX

[@andymschott]

Or Mastercard or discover or or or…only Visa or any debit card!

[@oldfordman68]

Its pretty simple just tell him no we are not participating in that but thank you for the offer

[@fishroy1997]

This plan is terrible but so is John's understanding of where card companies make their money. Hint: it's not the interest on single mom's gas money

[@davidfairchild1640]

Of course it is. Swipe fees go to the processing networks like Visa and Discover. Reward points are funded by the underwriting banks.

[@jbarajasp]

@@davidfairchild1640 amex is both ends of that.... and the amex cards that give out that high a points don't approve that single mom

[@fishroy1997]

@@davidfairchild1640 The issuer and the interchange share the fee.

[@jbarajasp]

@@fishroy1997 but again, momma has no play in that. Amex will not give her a platinum

[@fishroy1997]

@@jbarajasp True but John was commenting on CC rewards in general.

[@natashafreeman2220]

It’s more feasible to lower expectations and use points to lower the overall cost of airfare. Then commit to saving a certain amount each month to pay the rest. The points can definitely help but it will be impossible to spend enough to where you don’t have to save for the trip as well.

[@thomask8298]

Quite feasible, yes

[@BK12344]

Moral of the story is you can’t afford it so you shouldn’t be going to Scotland. Until you could afford that trip pay with cash you’re good to go

[@mariorta5017]

For a second time we rejected a family trip with my in laws, I am not hypocrite and I dont want to spend a week with hole family for my own mental health, but also because since the pandemic we been paying our $320 dollars debt and we have plans for the following 5yrs (hoping the universe let us get there). So, the first time they asked we explained what we were doing, and we didn't want to stop. This time when they asked they responded saying "money is not everything in life, plus you can postpone and if is because the money we can pay and you can make us monthly payments " my husband and I just looked at each other and said, no thank you, we ready have our plan and we are not stopping. Have fun, guys.

[@ricktotty2283]

Let your yes be your yes or your no be your no. No! And never explain. You don’t have to. I learned this many years ago from my pastor.

[@lizr5287]

That is the dumbest thing I've heard on a long time 🤣🤣🤣

[@TheEvolvingAudioNut]

One of the best movie quotes of all time... "Stupid is as stupid does." That's about as polite I can be in reaction to the father-in-law.

[@jimmymcgill6778]

If he's paying it off every month. And are putting his regular expenses on it. Than it's not a problem.

[@MikeThePike316]

Until recession hits and he's faced with a dilemma. Just pay cash and save money elsewhere.

[@Jumpman67]

@@MikeThePike316 What does a recession have to do with it?

[@MikeThePike316]

@@Jumpman67 Recession means higher unemployment and, possibly, lower wages. Hard to pay bills if you can't work.

[@mikeshaw4610]

You just tell him no.

[@rj-lx9yt]

Ran my business through a CC for $100K a month. Racked up a ton of points a flew friends everywhere. Its doable, we just do not know what the family does to determine if doable for them.

[@donnyj9487]

This is smart, but people who call into this show aren't at your level of running a 100k a month business lol!

[@zaqlowell]

In this situation it's perfect

[@alinatamashevich3354]

Glad you did not have a life altering accident with high CC balances.

[@RyanDaRaider]

People forget, the people paying for my flight are not the single mom ect. AMEX gets a percentage every time I swipe and basically gives me a cut. The percentage is still their with debit cards I just don’t get a cut

[@beckypetersen2680]

Yes. as a store owner with accepts c/c/ - yes, the people who accept c/c are paying the fees and your rewards. If they actually minded people paying off their c/c every month, they'd take them away if you did - but they don't. They actually up your limits.

[@charlessnyder9684]

Yeah I really don't understand this angle they came up with. I get it up to that point but I really think the "taking it away from a single mom" is made up lol

[@lindsaymarie4416]

That's a really good point he makes at the end about not using the rewards on cards because it's paid for by those that couldn't pay the balance every month

[@MichaelAnderson-wk1no]

I personally think that's a weak argument. You could say that about virtually any industry. You pay for a car with cash? "You're benefiting off of the backs of people who are struggling to make their car payments." You get a good interest rate on your mortgage and pay it off early? "You're saving money off of the backs of people who are struggling to pay their mortgage / get foreclosed on"...

[@libertarian4323]

It's actually a really nonsensical and completely illogical point. If you fall for their reasoning (or lack thereof) here, then you also shouldn't collect interest on your bank account, because the bank only pays you interest because they make the money by making home loans, car loans, etc that "people struggle to pay back." They make an a la carte appeal to emotion with no logic behind it. Based on this kind of reasoning, our entire financial system shouldn't exist.

[@BabyGators]

Completely agree. You should never feel guilty for others’ poor decision making. I think this whole scheme is a bit absurd, but that’s a different point. By this logic, do you also feel guilty when you collect your paycheck knowing that not everyone makes as much as you? Your check means that money didn’t go to others.

[@charlessnyder9684]

I really don't think that's based on reality and it's the one thing that they repeat all the tiem that I don't think is well supported. The rest of their stuff I agree or disagree with but this just seems...not true.

[@HealthCoachHayley]

Immediately no. Immediately NO

[@laurens.2503]

It's not free if you have to buy things you don't need. Bad, bad idea. Then they can file for bankruptcy and prices can go up for all Americans.

[@steve-on3234]

I guess it didn’t dawn on him that to get 1 million points on American Express. You gotta spend $1 million.

[@RedSteak-f9h]

the father in law sounds like he knows wat he's doing. Transferring MR points for non-coach international travel is the way!

[@hero2006]

Tell dear father in law to go kick rocks.

[@johncameron4194]

Bad plan…just buy your own tickets. Don’t forget the passport or hotel stay or food…

[@nancyroberts5181]

johns take on this is eye opening.

[@1116Aru]

That’s also way too much privacy the kids are giving away about their finances. Horrible idea.

[@carojames6776]

Father-in-law needs saving from HIMSELF.

[@NYNC88]

Since John is feeling so noble, I assume that he would never buy junk food since all of those companies prey on lower income people, those will less knowledge of nutrition, and those who can't control their sugar addictions.

[@alephnaught8343]

it's not merely him supporting a company that preys on people. the value the company provides (the points) exists only because preying on people occurs. The junk food would exist even without the prey, the credit card reward points wouldnt.

[@chrischris4827]

Whiskey Tango Foxtrot. I just used up my duct tape wrapping it around my head to keep it from exploding!

[@chrisibarra2575]

Man if you only buy what you would with cash,its genius, its awesome for traveling

[@marie-joseepaulzak1936]

I don’t think I have ever heard anyone mention that these point credit cards actually cost you money. There is an annual fee to own the card, anywhere between $95 and $800. So your free points have a cost basis!

[@bellmattwebb]

Reminds me of Funny Farm with the payphone. Classic

[@ellencox8415]

This idea is BONKERS, but your in-laws clearly love you. You have 24 months, figure out what the trip is going to cost and pool the money monthly. You can get interest on the money just sitting there and then everyone can decide what their budget would allow. Have a family competition to see who can contribute the most or have the grandkids do a lemonade stand to help out. This guarantees you getting exactly what your family wants for this trip. "Points Programs" ALWAYS have fine print/stipulations/dates when/where you can use them. Why do you want the added stress?

[@beckypetersen2680]

Our c/c actually lets you book the one you want and then erase it with a rewards eraser. No blackouts. I wish these shows would at least be accurate when they criticize.

[@B_22_5]

If you know the points game it’s a lot more fun than running a lemonade stand to fly coach.

[@RandomVids519]

Its better to shop in pairs at places like costco much cheaper and split everything you wanna buy and save save save

[@shadygrady3819]

It’s simple , I don’t need your money I’ll pay my own way .

[@firegirljen]

So, basically, he’s not giving them anything for free.

[@cheapcookies]

Dr. John , Baloney! Personal finance is just that ==> personal. Taking advantage of CC points/cashback/air miles is NOT going to change the financial habits of others. If you *really* want to help them, search them out and subsidize a few. In the meantime, like everybody else, I have paid my share of interest in my younger years and now I'm in a position to nick the CC companies a few points. Yes, i'm going to do it. No, I'm not going on the guilt trip you're trying to lay on me (and others) for utilizing the rules to my advantage. Sorry I can't agree with you on this one. I sleep well at night also. If you had said something about power and control by the FIL, I'd have been more receptive. You missed the boat on this one.

[@beckypetersen2680]

There are a lot of people in your boat. In fact, if they ask people what keeps them from being on board 100% with the DR plan, it's the idea of can't use c/c - whether or not there are issues in your life with money.

[@inukecountries1]

I like how John stole the plot from 'Jerry & Marge Go Large' and thinks nobody was gonna notice. Haha caught you buddy.

[@hollyb6885]

I use credit card cash back all the time but I wouldn’t force my kids into doing it.

[@geraldwalker7609]

Beyond the financial aspect of this, it's just plain icky, manipulative and weird. Strange things happen at IHOP.

[@dwong101]

To be honest. If done appropriately it’s actually worth it and very easily doable. But they should open their own accounts. The intro bonus for Amex gold has been like 90k Amex platinum has been like 150-175k If there’s 11 people… let’s assume 3 couples with kids . 6 people who can get Amex platinum = 6*150-175 = 900k-1 mill+ So yea doable.

[@michaelleahy6848]

The cash back is essentially splitting the interchange fee the vendor pays to the card issuer. The userous rates are another matter. The root cause of the expense to the user can be addressed

[@PGcrazy6]

Yes, do the save the cash method to get what you want. Promoting & continuing good saving methods will go a long ways in life & should reduce making bad financial decisions in the future.

[@vickigriggs5053]

Father in law should be told no. NO THANKS!!! SO DESTRUCTIVE!!

[@XvSKINNYvX]

Could just refer each kid and get the referral points... or just pay cash. .

[@crystalsears4338]

Not even. No one else is paying for my rewards. I'm a subtle mom and that"logic" makes zero sense. No one sense is paying for the rewards I get by using my cc and paying it off every month. What makes you think I'm paying for someone else?

[@crystalsears4338]

Btw, I think this plan is very unwise. I know the cc isn't my friend. But no one is paying for my rewards... I'm earning them by using my cc wisely.

[@beckypetersen2680]

I do not know why they say that someone else is paying for my flight if I use a c/c. The price of my groceries are the same no matter how I pay for it - either cash, debit, or a some other form such a a gift card, or even c/c. At that, I'd not do that method with the FIL. That's silly.

[@musicpro7278]

They mean someone else is paying for your flight because they wouldn't be offering free flights if there wasn't people out there that can't pay there bill on time meaning they are paying interest costing them to pay more money.

[@scarpfish]

Any points/rewards/cash back card that "pays you back" only does so because a degree of its users let a balance accumulate. If everyone were disciplined enough to pay it off every month, I assure you that they would either cut back your rewards, or up the fees that they charge the merchants, possibly to the point where some merchants may not accept that particular card anymore. A lot of places don't take AMEX. Some don't even take Discover. Your "rewards" usually come from those merchant fees. Retailers them embed that expense in their prices and pass on to the customer, no matter how you pay. So yeah, if you're disciplined enough to pay it off every month and never use it for impulse buys, you might as well use the CC at the grocery store get the points. But I would never run every mindless purchase I could on a CC just for sake of racking up points, so I could get a trinkety reward back, just to spend even more money, when I could instead be investing that money.

[@georgewagner7787]

It's like welfare. The money has to come from somewhere. No one thinks about where

[@beckypetersen2680]

@@musicpro7278 I look at it like the merchants who accept the cards are paying for my flight. The c/c companies are simply splitting the fee they get from them with me to get me to use their card.

[@angelaonthego]

Stores pay hundreds of millions in transaction fees. Maybe no big when it’s Walmart; but using cc’s with small and local business is stealing money out of your local community.

[@baronvonblackout7478]

I always find this high and mighty attitude around credit cards hypocritical. The mutual funds you invest in probably include these same banks. They definitely include companies that do immoral things and have no care for their lowest employees. You celebrate these investments but you couldn’t sleep at night if you got a credit card reward. So hypocritical.

[@Drkbardockssj]

I think it's more the predatory practices credit cards use. Mutual funds not so much they don't send me anything on my 17th birthday like credit cards do. The other stuff happens in every company but credit card companies goal is to keep you in debt. That's not the goal of mutual funds. They use your money hit I'm not indebted to them.

[@DCLover72]

"No" can be a complete sentence.

[@B_22_5]

Why say no when the man has a great plan?

[@MichaelHasebroock]

Wow even if they get 10% back on points they would have to spend 10 million to get their "free" trip.

[@beckypetersen2680]

No - they get a point or two per dollar. They need to spend a million. If they had a business and could run all expenses through it they could probably do it easily in a year or two. Probably way too ambitious for just normal living and I'd never mix up my finances with my FIL like that.

[@alinatamashevich3354]

@@beckypetersen2680 This is bad on so many fronts

[@BengalTiger47]

We supplement our saved vacation funds with our AMEX points that we accumulate through everyday purchases (groceries, amenities, clothes, leisure, etc.), which come out to around 100k points per year. That’s like $1k out of the $5k or so required for overseas trips. This idea of funding a whole trip for so many ppl with only points is ridiculous.

[@JANat239]

100k is not worth 1k at all.. what are you talking about?

[@Daniel-um7mn]

@@JANat239 Yes they are

[@natelevy1040]

"I have a plan to take a $1 million vacation for free, all I need to do is spend $10 million in 2 years!"

[@1timothydillon]

You say prey on, I say marketing. It's not my fault if someone else doesn't handle their finances as well as I do.

[@georgewagner7787]

You're right in a way but we are all connected. Am I my brother's keeper?

[@1timothydillon]

@@georgewagner7787 Actually no, you are not responsible for how others behave. As Dave says, being stupid isn't illegal. We are responsible for ourselves. If you are to look after the behavior of others, you have failed, because there is still evil on this world. You can only help the helpless, you can't help the hopeless. Do not degrade your own life over the decisions of how others live theirs.

[@alinatamashevich3354]

True, but WE all pay for the financial irresponsibility of others.

[@1timothydillon]

@@alinatamashevich3354 How? If you can't pay your bills, no one is forcing me to pay them for you.

[@alinatamashevich3354]

@@1timothydillon Wow, you missed that one. Who do you think pays when others do not? That would come from me and you. There are NO free lunches

[@fauxbro1983]

"Needs?"

[@jme92685]

Just when I thought nothing could be worse than a 6 figure TUBA DEGREE!

[@debbiericker8223]

We need a follow-up episode on the tuba degree call.

[@alinatamashevich3354]

Tuba Tuba!

[@duffyreed8625]

Great idea. 💡 American Express is paid at the end of the month. It's just hard for people to observe the rules.

[@gilmendoza8092]

Lol 1M that’s a lot of points if it’s 2 points per dollar spend that’s 500k

[@calebmaple4788]

I need a million dollars and I need KZbin Comments To Help!

[@lynnheffron6905]

Here my contribution: Good Luck! 😎

[@georgewagner7787]

LOL

[@charlesyoung9980]

I've been known to be a half asser my whole life, so here's 50 cents.

[@jameswoods6900]

No everyone in the family wants to rack up bills to go to scotland, sorry dad, it's a terrible idea!

[@georgewagner7787]

Thank goodness my parents had more money than I do

[@michaelbreeland8823]

The idea that you would feel guilty taking advantage of a system that preys on people is ludicrous. I look at it as getting my money back from the interest I've paid them over the years on car notes and mortgages. Why not get some points if your spending on things you buy anyway. Just be disciplined.

[@janelleg597]

Yep, like guilting someone for buying fast-food. My God, it's a pathetic guilt trip

[@SpidermanandJeny]

The mixing finances part of this is full of bad ideas. I don't need to advertise how much I spend and on what. However, the basic idea is pretty good. However, this is too next level. Too big brain.

[@toughbowtietruck]

If anybody gets a card in my name without my consent, there's going to be problems.

[@rachelharrison7961]

It’s attached to the FIL’s account, so the name on the card is irrelevant. He’s the one getting the bill. The daughters are getting courtesy cards essentially.

[@droid2D2C3P0]

Dude that's not what's happening.. he's putting his daughters as card holders on his account to collect quadruple the points. That's why they have to pay him back.

[@toughbowtietruck]

@@rachelharrison7961 Doesn't matter. I don't want my name on a card that somebody can point at me and claim I used when I didn't authorize it.

[@stevenporter863]

If you are responsible and someone else set it up that way without your knowledge that is identity theft. Not sure if it is theft to put someone on your card just as just an authorized card holder without their consent. Besides that is not what he is doing?

[@ubwaterman]

How ridiculous is this WOW are there no limits.

[@JDizz0413]

It’s actually not a bad idea.. But he should/can do it fairly easily himself..

[@lt7341]

Bro why we use the chukee cheese reference everytime

[@catlady2795]

The only thing is he might still not have enough points after all of this an will be waiting a long time.

[@chrisibarra2575]

Sounds like a cool father. But people have to be responsible though

[@rcdyer]

The classic robbing Peter to pay Paul..

[@brandonfelce575]

Lol no

[@pdxmusl1510]

This has to be a fake call. 1 million points would be like 10k depending on card. My card you would have to spend 500k. That would take me 25 years. Even if the guy has 8 kids this isn't going to be fast. A couple of years. I mean sure. Some cards give extra rewards for things like groceries. But groceries are cheap. I spend 2.5k annually on food. Even with a 5x on food it's 40 years. I feel like this was let through so they could make fun of credit card people instead of spend time on something educational. I do this stuff. But my trips are cheap. I like camping and adventuring. Some of my trips are like 100-200 for a full week. So my rewards either pays for a few trips or is additional into my investments. Im never delusional to think I'm pulling out a million points in a short window. This is absurd. I mean.. it is a fun thought experiment. And if it is real. Wish the guy good luck. But this feels more like a fake call.

[@lawrencefranck9417]

NO…. It’s that simple.

[@inukecountries1]

Johns reason for not using points is so dumb... Sorry but that is such an exaggerated reason.

[@Leeon_King]

Exactly.

[@swanseawales1979]

Nonsense response by Jon considering the show makes money off bad financial decisions

[@inukecountries1]

@@swanseawales1979 BINGO!!!!

[@jimmymcgill6778]

yep

[@jimmymcgill6778]

@@swanseawales1979 yep

[@semosancus5506]

I would just put $100 on the card once a month and say that is all we spend.

[@bighands69]

That is not going to cover the trip in terms of points.

[@thomask8298]

Cool jean jacket George!

[@rrennnerr]

Is his name Dutch? Does Dutch have a plan?

[@vh1775]

I’m Scottish. Don’t go.

[@alfonsojimenez2389]

Bs on how oh the poor single mom is paying for my trip.😂 I charge on the card and I pay every month. I earn the points .

[@charlesyoung9980]

You need to spend $1 to earn one point on an American Express card. One airline ticket (Round Trip) to Scotland is roughly $1600. So, unless he's buying 625 tickets, this is a horrible deal.

[@B_22_5]

Wrong, at least do some simple research before making these claims. I’ve spent $6k this year and earned over 150k points.

[@charlesyoung9980]

@@B_22_5 And do some simple math. Even by your "logic" it would cost over $36000. Please stay home and nap.

[@B_22_5]

@@charlesyoung9980 wrong again, that was just one example to prove you wrong. I earn 500k miles a year just with business spend. Could easily get 1million by churning a few more cards.

[@victors16811]

Please let him to do it!!! I wanna see him calling Ramsey's show asking if he can file bankruptcy next year that will be another interesting and dumb truth story!

[@B_22_5]

How does collecting points lead to bankruptcy? If anything they help you save money if used correctly.

[@midwestpanther98]

Wait, don't participate in preying on poor people yet landlords have jacked rent up so high...

[@iBrunoCosta]

He’s actually smart, all there kids are getting signup bonus for applying for those cards, might as well get the free points as long as you can pay back in full, plus with points he can probably fly all them first class, with cash would probably cost almost 100k

[@charlesyoung9980]

No, he's actually dumb. And a first class round trip ticket to Scotland is roughly $3000. So, unless he's taking himself and 32 others, it's still a bad deal.

[@cesaravegah3787]

The risk of misuse is excesive

[@iBrunoCosta]

@@cesaravegah3787 only if they can pay it in full by the due date, he’s kids need to start learning already make them pay weekly or something

[@rachelharrison7961]

No one is applying for a new card. The FIL just added his daughters as authorized users to his pre-existing account. That’s why they have to keep paying him back. The bill will go to him.

[@alinatamashevich3354]

@@rachelharrison7961 That is a great way to split a family apart

[@derekfairlie6147]

Hahaha I live in Scotland 🏴󠁧󠁢󠁳󠁣󠁴󠁿 why would anyone want to come here 😂

[@d_all_in]

To see the Leprechauns

[@derekfairlie6147]

@@d_all_in is that not Ireland 🇮🇪 you get leprechauns 😂

[@alanstewart6562]

I’ve lived in Scotland all my life and I wouldn’t want to live anywhere else. The islands are beautiful and there’s so much to see and do in the cities. That’s why there’s so much tourists. Especially from the USA 🏴󠁧󠁢󠁳󠁣󠁴󠁿

[@georgewagner7787]

To see Robert Burns

[@socku5850]

I will take a million dollars then a million points of anything.

[@lynnjoseph7359]

What happen if life is not promised to you by then???