It’s an unfortunate truth that our financial mistakes early in our adult lives can haunt us for much longer than we’d like.

And the woman in this story has grown up in the wake of her mother’s financial mistakes, and is determined not to make the same mistakes herself.

But when her mom is desperate for a medical procedure, her resolve starts to wear down.

Read on to find out if she held firm on her financial responsibility.

AITA for not allowing my mother to use my credit card for a procedure she needs?

I am a 20-year-old woman with a summer job. I use loans to be able to pay for my semesters at university, while keeping my student debt to a minimum.

My mom (female, 49) hasn’t been able to work a job in years, so we survive off of welfare and disability.

I am dependent on my mom for food and housing, and I don’t want to take anything she provides me with for granted.

I help her when I can and ever since I got my first job I’ve given her a lot of money.

And things have got quite hard for her mom recently.

My mother has been dealing with dental issues for a while. It causes her a lot of pain, but she doesn’t have the money to get her teeth fixed.

Recently she’s been looking into the procedure she needs a lot, and is convinced that she can pay for it if she budgets better.

She decided she could pay for it in instalments but needs a credit card for the process.

My mother doesn’t have access to a credit card. I’m not sure why, but I’m assuming it’s because of debt. I, on the other hand, do have a credit card.

Let’s see how this is becoming problematic for the daughter.

I’ve tried to set financial boundaries my mom before, but it’s been hard. If she needs money then she needs the money.

The one boundary I’ve been trying to maintain is my credit card.

She’s asked in the past to be able to use my credit card to pay for bills and other consistent expenses. She says the reasoning is that it will help me build my credit score.

I understand that, but I still think giving her access to my credit card is scary. Even if I 100% trusted her, or if we were better off financially, I still feel like I would be hesitant to let her use it.

And the pressure to help out is getting a lot.

After researching the procedure, my mother asked if I would be okay with letting her use my credit card to pay for the instalments.

The second I heard her say the word credit card, I immediately said no.

She kept insisting saying “why aren’t you okay with it?” and that she would pay it back, and that she needed it, etc.

I really didn’t know what to tell her so I just kept saying no and that I wasn’t okay with it.

Let’s see how her refusal worked out.

She ended the conversation sounding incredibly sad, and now I feel conflicted.

In my mind I feel like not giving her access to my credit card is the right thing to do, but she also needs this procedure and I feel bad for denying her that.

So am I wrong for not letting my mom use my credit card?

AITA?

Sure her mom needs the procedure, and her daughter has the means of providing her with it.

But the mom has also proven that she is financially irresponsible, and it’s clear that the daughter doesn’t trust her mom to pay back the instalments in full and on time.

Sure having consistent payments could help the daughter’s credit score – but failing to meet them would also wreck it, and that’s wisely not a risk that she’s willing to take.

Let’s see what folks on Reddit thought about this.

This person agreed that she should stay firm on her refusal.

While others encouraged her to keep any credit secret from her mom in the future.

Meanwhile, this Redditor provided a cautionary tale about not sharing the credit card information.

Her mother has proven herself not to be trusted financially, and this daughter is doing great by holding firm on her refusal to help out.

Sure her mom needs the procedure, but it’s not worth ruining her own finances for.

She can’t be propping up her mom forever, and it’s about time that things change.

This mom needs to learn.

If you thought that was an interesting story, check out what happened when a family gave their in-laws a free place to stay in exchange for babysitting, but things changed when they don’t hold up their end of the bargain.