That reminds me, I was going to write you a story about my adventures in this topic since I have a lot of experience with being hit up for money. I have to think about how to make it funny because otherwise it can be kinda sad. Mostly no one pays money back is the thing... at least not in Louisiana culture where credit is pretty easy to come by. They're borrowing from you instead of Capital One because they don't have the slightest intention of paying it back.