Is AUTHOR wrong in the post ? POST : As a rule of thumb, my dad always told me to never lend money that you received expect to see again.

Anyhow, my gf has borrowed about $1200 from me (26M) accumulated over about 4-6 months. She's paid back $250 of that about two weeks after what she initially borrowed. Of course she promised to pay me back.

That showed me that she was good on her word to make timely repayment.

However she's just stopped paying anything back and still continues to ask for money or put things on my credit 

Just recently I discovered that she has her own credit card and I asked her about it and she said she doesn't ever use it out of fear that she won't be able to pay it back.

I asked how that's fair to me.
We got into an argument and she walked off because she hates taking about finances. 

 I pay over 90% of rent and 100% of bills. She pays for her personal leased car and our groceries.  That was our agreement. But she hardly gets groceries and she insists on eating out instead... And mostly wants to have me pay unless I say anything and then it's splitting the bill.


I'm clearly being used. I summed up the borrowed money as a total loss.
I feel like I'm not the ass for calling her on not paying me back...
But maybe I get on her case too much? Maybe I should give her more time?
Maybe she should use her own credit card...