To ask when it is appropriate to pay for things booked by someone else on their credit card

[Bearbehind]

This isn’t a TAAT just coincidence but I got me thinking as it’s just happened to me too

I’ve booked and paid for accommodation for 16 people. It’s just over £150 per person so not an insignificant sum

This isn’t an obligatory type thing, people are only going if they want to, I’ve just booked it as I can get a discount (that everyone gets the advantage of)

I’ve told everyone it’s booked, the price per person and my bank details.

Every has paid except 1 person who asked when my credit card bill was due and said she’d pay the day before.

Now in theory I’m not out of pocket until then but it literally wouldn’t occur to me to say that if someone else had gone to the trouble of booking something for everyone

So

Is it reasonable to think you just pay when the cost is incurred (YANBU)

Or

Is it ok to just pay when the person who has put the money on their credit card needs to pay it (YABU)

[usernotfound0000]

It depends a bit on this one. I've done similar large group bookings before and people have always paid instantly, but in a smaller group of close friends, I know I have more disposable income than others, so if there has been something I've been keen to (e.g. gig tickets that you need to get the day they come out) I will offer to put on my credit card and they can pay just before the bill is due. Otherwise it is likely I wouldn't get to go so it is of mutual benefit.

[Sunflower20]

Total CF. And beware of her in the future, avoid any financial situations which may involve her.

[Hotseat]

But you have paid for it already. The grace period before next bill is just until you start to pay interest. I would either cancel her booking, charge her interest or tell her to pay now.

[meyouandlulutoo]

YANBU, a PP brought up a really good point, if everyone decided to pay you the day before the payment left your bank account this transaction would seriously affect your available credit NOW, so you may find that any emergency spending or any large purchase you required would be compromised now not the day before your payment leaves your bank account.

I would always pay as soon as possible if someone made a booking on my behalf, and would be grateful not only for the discount but also for booking on my behalf and saving me a job.

If I were you I would explain this to the cf, and in future only make bookings with the provision that payment should be made to you straight away - she can do her own booking and forego the discount. You obviously don't need to suggest this to those who have already paid you as they know the score.

[displaysettings]

What happened to the lunch thread and the fridge/drink thread?

[messolini9]

YABU.

Your pal needs another transactions paid on her behalf by you before you can even think about being paid back.
Then you need to humiliate & exasperate yourself in asking for the money.
At that point, your friend is entitled to pay you about 60% of what she owes, while avoiding eye contact & informing you that you will be repaid at the end of the month "as usual", even though this never happens.
Before there is even a hope of you seeing all your dosh back, your friend will order another item on your card, then take the next working day off without informing her colleagues or allocating out her workload.

Got all that? Simple innit!
Bloody hope the event's worth it OP.
Even without the lunchfuckery pastiche above, your mate is rude AF. Also ... how does she know you didn't pay by debit card?

[messolini9]

Sorry should be "another SIX transactions"

[Daaps]

You should pay straight away or the booker has to carry the mental load. Exceptions for people who clearly get agreement beforehand if they can pay on payday etc. My friend is currently the booker for a holiday for 8 of us. 3 cf have disappeared off the face of the earth and the elephant in the WhatsApp group is overwhelming

[meyouandlulutoo]

Daaps

You should pay straight away or the booker has to carry the mental load

Exactly this. Nothing worse than wondering if you are ever going to get the money back, there will be many a sleepless night worrying about that.