Mom’s Spending & EBT: Should I Control Her Credit Card?

by Priya Shah – Business Editor

A woman in Oklahoma froze the credit card of her mother, despite covering the monthly bill, after repeated disagreements over the mother’s refusal to utilize her Supplemental Nutrition Assistance Program (SNAP) benefits, according to a recent online forum post that has garnered significant attention.

The original poster, identifying herself as a 30-year-old woman, detailed a long-standing financial arrangement where she manages her mother’s credit card payments. The core of the conflict centers on the mother’s consistent choice to charge groceries to the credit card instead of using the Electronic Benefits Transfer (EBT) card provided through SNAP, formerly known as food stamps. The poster stated her mother “refuses to use her EBT” despite qualifying for the assistance.

The Supplemental Nutrition Assistance Program is designed to help low-income individuals and families purchase food. Eligibility is determined by factors including income, household size, and citizenship status, according to the USDA Food and Nutrition Service. Benefits are distributed monthly via EBT cards, functioning like debit cards at authorized retailers and farmers’ markets.

Oklahoma’s Department of Human Services (OKDHS) administers SNAP within the state. Applicants can apply online through OKDHSLIVE.ORG or submit a completed application form to their local Human Services Center. The agency requires applicants to provide Social Security numbers for all household members and meet specific income standards. As of June 2023, changes to SNAP policies regarding able-bodied adults without dependents (ABAWD) were implemented through the Fiscal Responsibility Act of 2023.

The online post indicates the mother’s behavior is creating a financial strain on the daughter, who is now facing mounting credit card debt. The daughter’s decision to freeze the card was prompted by a recent grocery bill and a perceived unwillingness from her mother to address the issue. The post does not detail the mother’s reasoning for avoiding the EBT card.

SNAP benefits can be used to purchase eligible food items at authorized stores. The USDA provides a locator tool to locate participating merchants, including farmers’ markets. States as well offer various methods for recipients to check their EBT card balances, including online mobile apps and store receipts.

The Oklahoma Department of Human Services can be contacted at (405) 522-5050 for information regarding SNAP eligibility and application processes. The agency’s website, oklahoma.gov/okdhs, provides additional resources and FAQs about the program.

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