Name: Late Credit Card Payments! | Are You Garbage Comedy Podcast w/ Kevin Ryan & H. Foley
Uploaded: 2025-12-01T00:00:39.000Z
Description: Watch the stand-up comedy video 'Late Credit Card Payments! | Are You Garbage Comedy Podcast w/ Kevin Ryan & H. Foley' from AreYouGarbage? Comedy Podcast on Comedy Buff. Published 2025-12-01. Transcript available.

Watch the stand-up comedy video 'Late Credit Card Payments! | Are You Garbage Comedy Podcast w/ Kevin Ryan & H. Foley' from AreYouGarbage? Comedy Podcast on Comedy Buff. Published 2025-12-01. Transcript available.

Late Credit Card Payments! | Are You Garbage Comedy Podcast w/ Kevin Ryan & H. Foley

we got new tour dates to announce gang obviously we got philadelphia at the met
december 13th but
then we're headed to austin tampa chicago bloomington indiana nashville tennessee
we
got pittsburgh pennsylvania and cleveland ohio get your tickets right now are
you garbage.com
the boys are coming welcome to another exciting edition of are you garbage the
show where you
find out if your favorite comedians are classy individuals or absolute trash
now here are your
hosts kevin ryan and h foley hey everybody out there and welcome back to
everybody's favorite
podcast this is are you garbage it's our little show we sit down with your
favorite comedians
and we find enough to group to be classy yeah just a big old piece of trash
trash trash i'm your host
thanks for coming at you on a beautiful day we're out back here at tootie's in
a new edition
she just got a picture in the paper okay i don't know for what okay mike coes
is coming at you
across the table he is the ceo of are you garbage he is an international
businessman the kippy of the
year kevin james ryan everybody what up gang shout out to you as always please
make sure you rate
view subscribe on itunes full video available on youtube full video available
over there on spotify
baby and then obviously the greatest website of all time www.patreon.com slash
are you garbage you go
over there you join the over 15 000 strong baby 15k 15 000 patreon members that
army of garbage that
battalion that platoon is strong that's about what tootie lost on the eagles
this weekend
uh and then obviously uh guys we have just launched uh a bunch of new dates go
get your tickets we got
austin we got tampa we got chicago uh la is coming soon we got bloomington in
indiana a lot of places
go to the website check that uh philadelphia the met that's coming up soon get
them tickets the boys
are coming home to roost yeah and merch merch is on new merch oh he's got a lot
a lot of fucking
things flying around up get them bug man tees plenty still available while
supplies last for the next
five years nobody wants to remind you the worst summer ever i live in it you
know what i was gonna
say um one the floor is yours apologize for the voice voice is coming and going
a little bit uh-huh i
got a ludens in which is the fat kid whoo man those did those didn't make it
home from the fucking
right aid at my when i was when i was rolling back when i was banging this
shows you how our good pal
ryan diesel director of operations how good he is uh-huh down at skank fest the
voice was really
acting up said give me some cough drops shows up with them i was looking for a
hall something that
actually works sure but he knew to get fatty a little sweet treat big dog likes
a sweet treat i just
eat them like candy yeah we know they're so good what's interesting why don't
you do you got to get a
little more proactive on i i have started okay the salt water rinches in the
morning and stuff like
that unfiltered cigarettes is that what you're doing unfiltered eaters bite
them off um i found
myself in a little bit of a financial predicament nice welcome to the party we
are so fucking back
baby excellent can't have nothing nice foreclosure no jay easy i'm not that
fucking simple put that
juju on me that hex um i just got an email oh this would be for the fourth
month in a row i've gotten
this email and i've been able to throw some dance moves some some workarounds
at it con edison shut off
notice no you're not far off kevin did you forget something let me tell you
what that's how it opens
yeah who the fuck knows you like that synchrony bank who i'm on the sheet with
that's my venmo credit card
i got the venmo credit card back when my credit wasn't great and i needed some
walking around money i would
argue it's probably not great now what's your credit at i called you know not
great after this six
that's 705 i think but then i run one up you know the birds don't cover it i
gotta fucking dump some
money back yeah you still use this venmo credit card yeah occasionally some
stuff's on it okay i don't
know what is you can go over to transactions if you like off the air you missed
a payment let's get
back on track wow that's pretty that's like really going after the younger
generation what yo bro what's
up the pocket's a little light this month i know you're waiting on something
they're coming with
cool teacher vibes yeah yeah that's what they're trying to do i know your
project managing job is
going well and the dj career is about to take off but we're gonna need that
cheddar sorry bro
i can tell you who doesn't talk like that the people at american express no no
no no no no they
operate by certified the mail mr foley to whom it may hey pudgy when they call
you oh boy here's
the problem it's not accepting my bank i try to put my bank i can't you know
how it gives you that
mr right unfortunately you have a credible financial institution we don't work
with
this guy's got a real bank well you know you use that plaid to link your bank
oh my god what you
don't do that is that bad i do that yeah i do that why everyone's doing that i
don't think so what
do you mean that's your no everyone does no no that's broke bad news shit no i
did that a couple
days ago i plan yeah yeah send in a hail mary what no do you use it i'm always
scared when i do
give up just they got everything they got it if they want it they got it the
emblem isn't nice
enough it's not it's not you always get like you're leaving the site you're
like whoa whoa whoa
fucking take me to a second location you're leaving the site to a third party
yeah authorization
but then but then i see they this is so funny i see they got the pictures of
like
the wells farga how they gonna you can't find that anywhere you know what i
mean that looks that
looks sanctioned oh picking your bank yeah it's so trashy what the fuck but it
won't link something's
code you're already linked and then i go but i'm not linked so then i try
linking a check in i try
like i can't i can't like nothing i've been trying for months and i'm late
every month it keeps
dinging how long how long you been missing well i found the workaround i can
pay the minimum with my
cash at the venmo office can you tell us i don't think so where's venmo at
where's their headquarters
somebody get them on the phone you can't that's a problem with his generation i
remember nobody wants
to talk i remember you complaining you're on the phone with venmo and i go who
the fuck's gotta call
that i'm me now i gotta call them so listen here's my workaround and i need
help if you guys are my
sharks i need help okay i need i don't have any cash on me you take something
from petty cash if you
need it but you gotta put that back that's crazy you know the rules which means
you've been nipping
into the petty cash no i assume that would be highly frowned upon if you just
started taking
money from me yeah that'd be pretty frowned taking money from you you're not
putting money in there
yeah it's not i'm not going to check the petty cash there's an extra c-note
walking around that's
t-shirt change you don't care about that rich guy like you wearing plaid i am
wearing plaid um
it's a bad name plaid you'll never see us coming plaid will blend right in we
rob you
hiding in plain sight plaid uh what is that well they're never going to be a
sponsor um who thinks of
that hold on that's a brilliant hold on so here's my thing i've been able to
make the minimum payment
for a while right because i had i carried a balance in my venmo and you can i
can because i can't
pay me with your venmo account with your i can pay with the balance but i don't
have enough so i've
just been making the minimum payment now but i that's not i now i don't have
any money in my venmo
so one of you has to venmo me money so i can make a payment today i assume that's
not going to be
you i assume i'm i assume i'm looking at the dempsey group for this one okay
this is what he's been
waiting for luke luke's now no this is bad luke this is the corporate takeover
this is the squeeze
out uh-huh he's got me right your mom orchestrate this you sandbagging it's
funny because my mom
always wants always wants to send venmo money because she just gets and she
doesn't like transfer
to her account so yeah so she leaves it in venmo mrs dempsey would gladly say
no i don't i don't need
that fucking shark swimming around here wow she just leaves it in there yeah
she got you wouldn't do
that no no i need it well i got a current minimum due of 101 that includes the
past due balance of the
41 that was due 10 days ago what's what's it take to get you clear current
balance
you're dreaming you don't pay currently broke
you're up top hit me low where i'm at maybe where my balance i'm at my venmo
limit i'm sorry i can't
help you for another 24 hours my current balance has been sitting like this for
a while out of its
interest because i've just been paying a minimum payment for about four to six
months what are you
doing what supposed to be the business owner so yeah we run a garbage operation
here what do you mean
i like that i'm do that i expect you to run the books clean this is clean now
what does a company
like venmo charge you for interest oh i don't i don't i don't four tokens no i
don't know i don't
have my phone on me either but three gifts boxes and two pizza slice emojis see
what they charge
but i can get better money on his street if you know what i mean better points
in the street
i remember my my cousin yelling at like fucking walk over your bank or
something and what dude this
is just shout out shout out my cousin leo this is when overdraft just got
instituted and when was
that this is 15 20 years ago something this is a long overdraft hasn't always
been a thing no
but not like debit cards weren't like you know you didn't have the overdraft
protection once they
realized they could make a shit ton of money and they whack you out every
charge so if you buy a
package to like you you know as letting the charge go through they're gonna
charge you 35 bucks it's
so so my cousin i remember my cousin ran through it in like a weekend just not
knowing just what going
i got the overdraft you know you're charging me the 35 bucks he didn't realize
he's getting whacked
out every time and i remember him calling the bank the next the monday morning
yeah he's going
they were sitting i'll fucking kill myself he's going we're sitting in poor
richmond we're sitting
in a row home in poor richmond i'm hung over to the gills
and uh he goes uh he's screaming at this lady on the bank from wachovey and he's
going hey
you mary he's going you're telling me i buy a pack of gum for a dollar you
charge me 35 on top
of that and she goes yes that's how we do it i get cheaper money on the street
god damn it i go she
don't care i'm like you're not negotiating with her don't take one or two off
that's the best they do
okay td used to be two every six months what's the current the penalty apr rate
oh fuck is 27.49
that's a lot of gum i owe 653.59 653.59 and then i'm cutting it in half i'm
never using it again you
want it right now after i don't i don't i don't need this documented for if you
ever try to sue come
after me for uh 10 of the company i can always say this was part of a comedy
bit you have 600 in your
venmo yeah no it's linked to your card wow he's got six hundred dollars i got
plaid he's just platted
up platted up i don't know if i am linked like that to be honest with you i
think it's just in there
i got nothing in there you gotta you gotta go to a venmo atm feed money in um
but i will need to
take care of that today because i just i also just got an email that i'm
getting dinged on my credit
report again for that because i'm late and i can't figure it out that's how
they get you this is how
big bang gets you i don't like it going through my transactions i'm seeing i
requested 87 dollars
from kevin ryan did you get that nope it's still sitting i should remind him
actually i'