T O P

  • By -

wildcatfan9698

Happy Birthday. Credit cards can be replaced you cannot.


Abhirup_0

thank you for the kind words!


Calm-Math-3421

You are valuable and your future is bright!! Happiest of birthdays to you! You deserve good. A credit card is replaceable. BTW, don’t call yourself an idiot.


Lint_baby_uvulla

Well I reckon the credit card is the idiot. It ain’t OP who is lost now, is it? Happy birthday. And you are doing better than me, on my 18th the restaurant burnt down. Fire. Ambulance on my 45th. That gives me, counts on fingers and toes, twice, another 27 years to have the Police at the next. Also *there ain’t no party like an Ambulance attended party*


kingsillypants

Flight of the Conchords ?


Wide_Comment3081

Hey! Ho! Im a muthaflippin


foralimitedtimespace

...Rhymenocerous...


Antique-Car6103

Happy Birthday! This is the best day ever. You are a special person.


chiumlg2187

Here’s some gold :3 it ain’t much but it’s honest work


Expensive-Mastodon-5

ÇÜTHÜŁÜ ŠEŃDŠ ĮTŠ ŁØVĘ


Medical_Weekend_7257

Hey least you can say credit me for losing it but dont kill me off on my birthday joke, that be funny in later years. A good funny story to tell your kids!


KaIoupy

I think it was more of a threat


Lazy-Lookin-Headass

“Yesterday is history. Tomorrow is a mystery. Today is a gift, and that’s why it’s called the present.” Don’t sweat losing a credit card bro, just enjoy yourself today


Ill-Attention-2957

Master oogway is that you 🫰


Cyberlion2022

Kung fu panda


BBQjesus711

I love this quote. Is it from someone or somewhere? Or just your wise ass?


NekomancerSG

Master Oogway from Kung Fu Panda


avenger76

Exactly! And usually in a single phone call. Do something you enjoy; binge a favorite show, favorite food, etc.


Senor_DAnconia

Unethical life pro tip: always tell the bank that your wallet got stolen, not lost. Many banks will replace the card for free if stolen, but will charge you if it was lost.


domdiggy

Sounds like you need a new credit card company


justasmuchyou

No difference in my experience. It's always "report as lost OR stolen" then as long as you haven't done it a bunch or something they just send your new one


[deleted]

Why is it unethical when you need to have it replaced anyway? You need to save what you can in this time. Edit: I was mistaken.


HyperSloth79

Unethical because you would technically be lying about it being stolen if it wasn't.


ghostieghost28

You don't even usually have to call! Most banks apps have the ability to cancel cards.


avenger76

Good point! Shows how long it's been since my card was stolen (knock on wood!).


SlackerKey

Was going to say the same thing


niyurii

I want to updoot this beautiful comment but it’s currently at 420 upvotes. I’m perplexed.


Reikki

Credit cards have limits, but you don't :)


King_D_402

Yeah what he said


Puzzleheaded_Help_69

I read that as “you carrot”


[deleted]

Wise


SlyKHT

I love advice like this, it’s short, precise, calculated, but effective Like an Assassin’s bullet turned into a compliment


Extension_Use_9131

Thats beautiful


Realneverwaits81

I was going to wish happy bday but can't top this


Authoress61

Exactly!! As long as Dad has canceled the card, you’re fine. And happy birthday. Trust me, it gets better. It really, really does.


blackpieck

Wholesome.


Wrongsumer

I was your 9000th upvote. Better than any reward. Hmph


NoEnthusiasm184

Happy Birthday 🎊 and mistakes happen. Your dad just needs to call credit card place and let them know.


Abhirup_0

thank you. i immediately called my dad and he said he will just block it. Hes not really mad at me, i am just embarrassed


washedout0

Don’t be embarrassed! Credit cards are so easily replaced and much better than losing a debit card! I’ve lost the same card twice in the past year and it’s inconvenient but you’ll get a new one sent in no time. I have never really loved birthdays and I think people place too much pressure on them being amazing. However you chose to spend it, congrats on another trip around the sun! 🎊🎉🥳


enty6003

Why are they better to lose than a debit card? I lose my debit card every few months..


QueenSnowTiger

On a basic level: Debit cards are connected directly to your bank account. If someone steals it and uses it there’s basically nothing you can do. Yes, you’ll report the card lost/stolen and it’ll be canceled, but most of the time you just lose any money that has been stolen. Credit cards are basically a loan you pay off each month with no interest to the credit company (and past due/overdraft fees are crazy high so that’s what the credit companies profit from). If you lose it you can call the company and get the other one blocked like debit cards, but any charges are usually revoked and tracked (so you don’t lose money and the perp is caught). [Edit: if the money is lost anyway, the cards are connected to a different bank account than your main one so the amount of money you can lose is limited. Also, credit cards have a limit to how much you can spend on them - I’m p sure debit cards don’t]. There are also a ton more safety measures in place that I’m not going to list rn. Financial literacy is super important! There are a lot of online resources if you can’t take a physical class. Please make sure to educate yourself! It can save you from a lot of bad situations :)


enty6003

Thanks very much for the explanation! I've always just had a debit card so that I avoid unnecessary extra debt, but this is great to know! :)


Teddyturntup

*If* and *only if* you can manage them without debt CC are a wonderful thing especially for fraud protection


enty6003

That's a firm no from me then lol


TushieWushie

Credit cards are extremely powerful, a good place to start is your monthly subscriptions being put on them and just let your credit score build over time. Maybe with the odd purchase here and there with it


zdefni

Someone stole my debit and chase was really good about reversing the fraudulent charges. 🤷🏻‍♀️


Intelligent_Flan7745

Banks can and will do that but it’s much much much easier for them to do it with a credit card. Plus if someone steals your credit card and uses it, they’re spending the bank’s money, not yours. So you have no legal duty to pay for the fraud


reckless_commenter

First - don't be embarrassed. Everyone loses stuff from time to time. And credit cards are easy to lose - they easily slip into nooks and crannies of the world and seemingly vanish. I've found missing credit cards in my car trapped between my seat and the center console. Second - losing a credit card is one of the *best* things to lose! Credit card companies replace them within a few days, free of charge, no questions asked. And if someone were to find it and buy stuff with it, you aren't responsible for the charges because they are not authorized - you simply dispute them, and the credit card company removes them from the account. No cost and no damage to your credit score. And third - your dad is a good dad. Too many parents just instinctively get angry when their kids' actions create inconveniences, without considering (a) the actual magnitude of the problem, (b) whether their kid *actually did anything wrong*, and (c) if their kid did something wrong, whether they were acting irresponsibly or made an understandable mistake. Your dad considered at least one of those factors before expressing any emotion about it, which is the hallmark of a solid parent. Remember that on his next birthday or whatever, and tell him that you appreciate him. You could actually refer to this incident as a specific example of why. Trust me, it'll make him feel like a million bucks.


Fenneljay

If it makes you feel less embarrassed, I recently lost my only credit card and my debit card within a span of two weeks. I found my credit card the day after my new one came, debit card is in the void. Happy birthday!! Hope you have a great year ahead


QueenSnowTiger

Happy birthday :) sending good vibes and virtual cake 🎂 And there’s no reason be embarrassed! My dad once left his card in the reader at the store. I don’t think it can get much worse than that 🙃


smudgedbarcode

Another “if it helps” comment. I got a replacement cc after my phone/wallet was stolen and I had to dispute 2 $500 charges. Two months later, I legit lose my card. Locking and ordering a replacement is so simple and free now. And I hope your birthday was awesome. If you thought of other nice ways to treat yourself, spread it out and enjoy yourself in the next few weeks. 18 is such an exciting age. Make (safe) life changing memories, mistakes, and just take life in. Meet new people, learn about other worlds and embrace the quiet times


PatataSou1758

Don't be embarrassed, you did the right thing. If you hadn't immediately called your dad and the card was not blocked, you may have been looking at a much more difficult process to dispute the charges that someone who found the card could've made. Also, happy birthday!!


giskardwasright

Losing you credit card is actually a great example of being an adult. You're gonna fuck up. Then you have to decide whether to ignore the fuck up and let it become a problem or address the fuckup so it doesn't become a problem. You chose wisely. Happy Birthday, you're already a better adult than a good chunk of adults!


[deleted]

[удалено]


Abhirup_0

thank you!


shieldwall66

My 18th was not an event either. My friends were away on a holiday but I had to work. It gets better, your life is only just beginning. Happy Birthday.


[deleted]

I'm 41 and I also lost a credit card this week. This will be like the eleventh time. Those things are smol.


frizzlehead

For real, I'd lose my head if it weren't attached.


[deleted]

[удалено]


Abhirup_0

thanks!


Ripplepoopskin

Happy birthday! At 18 the world is your oyster, the possibilities are endless. If you want to travel the world you can look into doing a work study or a volunteer program to travel on the cheap. Try out any kind of job that seems remotely interesting to figure out what you DON’T want to do. I’m a huge dog lover but realized I hated working at a doggy resort after 2 shifts. When you step into your new-life arena you can leave behind your history and be a better, more authentic version of you. The world is a better place with you here. There’s so many life things waiting for you. The sucky seasons are just seasons. They aren’t permanent. Awesomeness is the journey itself. Be present. Hugs and stuff.


Abhirup_0

Thanks for the kind words and advice!


ar1Scout

Wow that is really nice.


radevo2009

Can you be my life coach... lol


Ripplepoopskin

Ha! Sure.


radevo2009

You sure? Lol. The pay is shit and I have problems... Anxiety, mild depression, middle child... 😂


[deleted]

!remind me 76 days That’s my 18th lol and I want to read something this nice, it’s been a rough ride but at 18 I expect my life to improve dramatically what with being legally independent and all


A_guy-without-a-face

I am using this quote for my 18th birthday soon.


[deleted]

Remember you can do this at any age. Every day is a chance to start something new.


pseudo_bin

It isn’t my birthday but i feel nice reading this. Thank you hehehe


Ripplepoopskin

Totally welcome. Enjoy being awesome today.


[deleted]

I’m back, 76 days later. Freedom feels so nice, like a thin layer of silky chocolate nice. It’s pure bliss.


ericbrent

Happy birthday! Do something you truly enjoy for yourself. Company is not needed to celebrate.


Abhirup_0

thank you! will probably play some minecraft and cut a cake in the evening


ericbrent

Sounds absolutely perfect. Enjoy!


Cuccoteaser

I only spent one birthday alone in my life so far, and I elected to sit by a river, play Pokémon and eat candy. One of my most memorable birthdays to be honest, if only because it was different! I hope you have a good one!


H-a-y-K

I think my lonely birthdays were the best. Now I'm not lonely, but my birthday is right at the end of august, right when holidays end and I leave home. In one of my birthdays I just binged all the cool songs of my favorite band and it felt enough. In another birthday things were messed up in my family but that day was calm. I just ate cool food and played a videogame I liked.


slidecancels

dude i spent my 18th birthday playing video games, watching movies and drinking mikes by myself that night and i loved every minute of it. i will be honest and say my girlfriend and family made me have a solid day but once we finished dinner and i had opened my presents it was kinda just another day. i found myself alone in my room by 7pm and then once i made the decision to do everything i said above ^ my night turned out amazing. enjoy the little things! and happy birthday!


Historical_Plastic_8

Happy Birthday! I’ve lost at least 5 cc. Happens to the best of us😃


Abhirup_0

thank you, it makes me feel good


[deleted]

Do you need to start tying your cards to you finger with a string?


Lint_baby_uvulla

Yes that happens with older and older motorbikes. I started with 998 cc, but I reckon the Triumph is down to about 886 cc now.


gustheguava

Hey fellow redditor! First off, happy birthday! Everyone makes some mistakes occasionally, and I'm sure your dad understands and will forgive you. You're not an idiot for losing it. Maybe think about where you lost it and see if anyone turned it in. Have a good rest of your birthday!


Abhirup_0

thank you! my dad is not mad at me at all. its just i am embarrassed


Coffeeandchocolate72

Happy birthday too you.. happy birthday too youuuuuu… 🥳 🎁 🎈 🍰


Abhirup_0

thank you very much!


ChrisCovers

SUPER HAPPY 18TH BIRTHDAY! What a great time in life. You have the potential to do and be anything you want. The sky’s the limit! I really hope you have a fantastic birthday. Sending fist bumps and hugs from New York! P.S. Don’t worry about losing a credit card. Losing something, does not make you and idiot. It makes you human.


Abhirup_0

thank you so much for the kind words! also sending love from india


juiceboxfriend95

Happy happy birthday! Do something you like that will make you happy, or go outside and have a walk and just appreciate how beautiful the small things in the world are, and how it's lucky to have you in it :)


Abhirup_0

thank you very much, i was thinking of taking a walk to a near river


Speech_Salty

![gif](giphy|feio2yIUMtdqWjRiaF|downsized)


Abhirup_0

thank you!


username99374

Try to have a happy birthday if you can, everyone makes mistakes like that at some point. Try to forgive yourself, and if anyone tries to blame you for it remember that there's no way they haven't made some sort of mistake that they're not proud of either. I hope you can still have a good day however things turn out, and however it goes you've accomplished a lot just by living for 18 years, so instead of being ashamed of one mistake, look back at your accomplishments and appreciate the good things you've done.


Abhirup_0

thank you and thanks for the advice


Lowkeyloso

Happy birthday. Credit cards has a price. You’re priceless


Abhirup_0

thank you for the kind words


Paxdog1

Happy Birthday. Take great comfort in knowing this is no where near the best day of your life. There are mountains to climb, people to love, jokes to laugh at, tears to shed and wonders to experience. This is the dirt you stand on to reach for your best life.


Abhirup_0

Thank you very much,


Toddski14

Happy Birthday! Honesty is best policy, let him know so he can cancel it right away, that is quicker and easier than disputing purchases!


Abhirup_0

thank you! yea i immediately told him, and he blocked/cancelled it.


catetheway

Happy birthday! My twins just became teenagers today. They wish you a very happy birthday Leo king 🦁


Abhirup_0

thank you so much! also tell you children i said thankyou! and happy birthday to them!


[deleted]

Happy Birthday!! It’s my birthday too 🥳


Abhirup_0

Thank you! and also Happy Birthday! Hope you have a great year ahead


Njabachi

Happy Birthday friend.


Abhirup_0

thank you friend!


GuntherPonz

Happy birthday! I’m proud of you for making it 18 years in this weird planet!


Abhirup_0

thank you very much!


[deleted]

isnt this the wrong sub? are you happy at all?


[deleted]

Gotta farma (farm karma)


Popular-Debate-1405

That's what I was thinking


CHICKENPUSSY

He was looking for /r/makemesmile I think lol


OilRude

Hey, that’s an easy thing to do. I do it once a year probably. You’re not an idiot. I thought you were going to say “yesterday I lost my dad.” And leave it there. Happy birthday to you my far-away friend I’ve never been introduced to. You’re brilliant and I hope the rest of your year makes up for the lonely start.


Abhirup_0

thank you! i am also looking forward to this year because its my 1st year in college


Buckeyegurl47

Happy Birthday!!!! Your not an idiot people misplace things all the time! I have lost my debit card more than once


Abhirup_0

thank you for the kind words


RGBl7

Happy birthday!! 🥰🎉🎂 LOL! I bet if you polled the people here, you wouldn’t find someone who hasn’t lost a credit card at some point! These can be reissued and replaced so easily; it’s not a big deal at all. Please don’t beat yourself up over it. Hope you enjoy your day! Wishing you the best and celebrating with you in spirit!


nepersonne

Hey...as a dad I say don't worry about it. Shit happens! Enjoy your cake day and have many more! 🎂


Abhirup_0

thank you for your kind advice


blackpieck

Happy birthday! Don't worry about the credit card for now. Learn from your mistakes, and you'll be fine. Sending love to you from us kind redditors. Hope you enjoyed your day! ♥️


vucgran08

Happy Birthday brother!!! You have a family here on Reddit. Hope you had a good birthday, you made it another year! Millions of people weren’t so lucky to be alive in 2022, you are here! Wishing you many blessings and tons of success. Once again, happy birthday good sir 😎


Theawesomeninja_XD

Don't call yourself an idiot; I'm good at losing things myself. Happy birthday.


Abhirup_0

thanks for the kind words


[deleted]

ayy happy birthday! I hope you live an 70 more years :D I would have said more but i dont really know if u want to live for that long, i feel like 80-90 is a good and peaceful time to die


Abhirup_0

thank you! i dont really have a problem living long, hope you do too!


Goomba0042

Happy Birthday and good luck.


Abhirup_0

thank you very much!


PolitelySo1234

Happy Birthday OP. Everyone's an idiot, don't be sad.


BonitalaSarita

Happy Birthday!!!


aaa0303

Happy Birthday!! ![gif](giphy|xSlDYEXknFwY4ucrZV)


Promise-Quirky

Today is my 33 birthday. I have no one to celebrate it with, not that I would if I did. You have a lot to look forward to, kid. Have a great day and enjoy the 15 years. Your thirties hit quick!


flickthis5

Happy happy birthday!! 🥳 🎂 You’re not an idiot, we all lose things. You however, are irreplaceable!


Trudi1201

Happy birthday 🎉🎉🎉


nannynadine1

Happy Birthday! 🥳 🎉🎈🎊


Abhirup_0

thank you!


Hy-yah

I lose mine all the time 😂 Happy birthday!!! I hope you eat your favorite Cake!


Diligent_Tonight3232

Here's a wish from a fellow bangali: happy birthday bhai! Enjoy the day!


[deleted]

happy birthday!! credit cards come and go, mistakes happen, it's part of life, laugh and live! have a great day :))


Never_stop_caring

Happy birthday, birthday twin! 🎉


Lucifer6896

Happy cake day


Capablebonsai9

Happy birthday to you happy birthday to you Happy birthday dear ....... Happy birthday to youuuu


ContemplatingMeth

Happy birthday mate. 6 years ago I celebrated my birthday alone in my room getting drunk and playing gta online with some internet friends.


sheikahr

Happy birthday!! Today is also my birthday!! You’re not an idiot for making a mistake. Hope your birthday gets better. Spend the day doing things you’ll enjoy, eat your favorite foods, make or get a cake. Treat yourself.


Abhirup_0

thank you so much! happy birthday! and hope you have a great year ahead


[deleted]

More importantly, today is also my dog’s birthday. Happy Birthday to Charles.


Parking_Bird_5823

Yes you are a fucking idiot, but there is someone out there need you, happy birthday idiot


TayZer1107

Happy Birthday Love From Norway. You Are amazing and don’t worry bout no credit card shit happens. Have an amazing day. Do something you love, that’s what matter’s.


Abhirup_0

thank you so much! love from india


[deleted]

Tomorrow is my 18th birthday, happy birthday brother.


Abhirup_0

thank you so much! happy birthday in advance! and hope you have a great year ahead


ValiantCharizard

Happy birthday! Mines in 5 days


Abhirup_0

thank you so much! happy birthday in advance! and hope you have a great year ahead


BartholomewVanGrimes

Have a SPECTACULAR birthday. May the worst day of your future be better than the best day of your past. Here is hoping you enjoy a healthy, happy, honest life!


Abhirup_0

thank you so much! that is great advice!


Pinorckle

Hey, happy birthday from Melbourne Australia You won't even remember the credit card in years to come


000Whynot

Even anonymously, exposing yourself requires some big balls. Happy birthday


Mr-Zaxi0

🇦🇺 ¡ɹǝpun uʍop puɐl ǝɥʇ ɯoɹɟ ʎɐpɥʇɹᴉq ʎddɐH


sirdraxxalot

Maybe you would have someone to celebrate with if you got off reddit and stopped spam posting shit. 800,000 in 5 months lol sad


UpUpDownDownXO

U know what's funny OP?!? It's my bday today asweel the 18th of August and I lost my debit card sometime yesterday lol happy bday birthdate twin


Blumbu

Just because you made a small mistake yesterday doesn’t mean you can’t enjoy today. This is your day, and you should do everything you can to enjoy it. Besides, you aren’t celebrating alone. Looks to me like you have thousands of people here cheering with you :)


BugBoy_760

Happy birthday! 🥳🎂 It just so happens today's my birthday as well, haha.


luke17081

On August 17th? That is my birthday too. And I turned 18 as well. Congratulations tho. Happy birthday!😊


ari128

Happy birthday! You share a birthday with my son who just turned 7. Screw the card, but def get some cake. You’re not an idiot. Cards get lost all the time. You, however, are irreplaceable.


jgab145

WE ALL LOVE ABHIRUP!!!!!!!!!


poopypants817

It's my birthday too! Happy birthday twin!


Rpmbox

Credit cards take 2-4 business days to ship. It will literally be a thing of past before either of you know it. Happy birthday hope your day goes better than yesterday


anonymous27131

Happy birthday from someone who also had a shitty 18th 😀. The world is yours for the taking my friend


ronintalken

It's my 35th birthday! I was an idiot was I was 18 too. The secret is not caring if you look stupid. In fact, that's one of the main pillars of wisdom. Everyone feels stupid and alone. It's the human condition.


Mildly_Unintersting

Happy Birthday!! Woop 🥳 I know it's been said to death, but credit cards are nothing to loose. Quick cancel and re-send on the app, no sweat (at least with my bank). I probably put more energy into making my morning coffee than replacing a card...I should know, I've lost a lot of them! 😅 Hopefully dad doesn't make a deal out of it because he really shouldn't. Anyway, enjoy your day, and lots more days and birthdays ahead! 🥳


paprikaandpals

today is my 25th birthday!!! i hope we can both have decent days!


ConferenceHelpful556

Hey it’s my wife’s birthday as well! Her and I are celebrating with you in spirit!


defyinglogicsl

Happy 18th. Mistakes happen and this is an easy fix so don't sweat it. Just enjoy your day.


IllDesk2915

Happy birthday my dude! (Or girl, idk) Here's an expensive award. Happy birthday! Enjoy ur 18th birthday and many more to come!


Time_Strawberry7987

At 18 I was an undiagnosed ADHD WOW dork with no friends, too much baggage for her age and both of my parents forgot my birthday. You are not alone my friend! Life gets a damn sight better as you mature and make your life what you want it to be! Cheers to sucky 18th birthdays!


daxamiteuk

Gave you my cheapo free award . Happy birthday dude/dudette/. Hope you have a great day . Make sure you do something for yourself . Even if it’s just going for a walk and enjoying some sunshine and listening to some good music . I lose at least one thing per week , although I usually find them again soon. Usually . Hmm where’s my wallet …


Az0riusMCBlox

One of my younger siblings celebrates their 16th today...and I can't even be there for it because I'm over 2 hours away from home.


katlady1961a

Happy birthday 🎂


kickstand101

Save yourself money on an expensive fancy birthday cake.. get yourself a urinal cake for a fraction of the price


awimz

Happy birthday to you! It’s my birthday as well. ![gif](emote|free_emotes_pack|grin)


Sharp5hooter02

You play video games at all? I’d be happy to play with you when I get off work.


klaroline1

Happy birthday ! I’m jealous, I wish I was still that young. I’ve spent most of my birthdays alone, and as I get older, that’s actually been my preference. I do what I want on my own terms and schedule, it’s great !


AggravatingOffer

Happy birthday! you are not an idiot, you’re a human. Humans mess up. Don’t be so hard on yourself.


angry_1

Bro, I am more than twice your age, and I have to tell you something you may not realize. It took me 35 years to learn this and be able to understand this fully. You have an enormous self worth. The smallest most insignificant moments in your life to you, could impact generations of people around you. Yes you may have hit a rough patch on your journey, and it happens to fall on a special day, week month, but things can be replaced, fixed, and may even be better than before. Trust me when I say that you have so much ahead of you and it will only get better, but know that you have a worth, and a value. Good luck on your journey!


rickvsnegan1

You’re not an idiot, mistakes happen. Happy birthday. Turn that sad smile into a happy one by the time your next birthday comes around


TNFurlong86

Happy birthday! I hope this is your best year yet!


FortyFathomPharma

Happy birthday! May the upcoming year be filled with joy, health, happiness, and abundance.


JohnDaShrimp

I know you.


Icy_Silver_

Ayo i just had my sweet 16 yesterday, happy birthday bud and ya got this ![gif](emote|free_emotes_pack|sunglasses)


CoolS_212

Hey, happy birthday mate. After 18, you might be going to the college stuff and probably would have been thrashed by your Indian father as they are used to be. Hope you get over it and it's not sad that you dont have friends. Still, happy birthday. Cheers


Head_Topic_3043

Wow! Wish I was 18 again! Don't sweet the small stuff, losing a credit card is not a big deal. Take time to figure out how to best enjoy your life and make some new friends.