Yes, unfortunately, ALL lies. You will never see him. He will take the money and run. The next story will be that he got stuck somewhere changing planes. I have heard this story many times. We get at least two or three questions like this on the website per week. Please keep an open mind. I almost fell into this myself once, so I know how you feel.
Normally the scam starts with trying to establish a romantic relationship, perhaps just a friendship at first. They also may claim to be a citizen of the UK or US or wherever so that you would not suspect they have any ulterior motive. They pull at your heartstrings by telling stories of hardship or tragedy that they have suffered in their life. At some point they want to come visit. They may ask you to send money for a passport and/or plane ticket. They may tell you that they have money, perhaps even that they are wealthy, but their money is tied up or something like that (in your case, his credit card is damaged, but same principal), perhaps they tie it into a tragedy or something. Then the next step is when they supposedly have the passport and plane ticket, they suddenly come up with this Basic Travel Allowance or (BTA) which is supposedly to show authorities that they have enough money to fund their trip. This is a lie. There is no such thing. They ask you to send that money so they can put it into a bank account to show the authorities. This is just another method to steal money from you. Then the next part of the scam would be when they are supposed to arrive. You wait for them at the airport and they never show up. A few days go by, you get extremely worried, none of your methods of communication work, and then suddenly a "friend" or "relative" of the scammer contacts you to let you know that she has been detained/arrested by authorities for carrying something illegal, I have heard of unregistered gold and they say it would have been a gift for you (perhaps to pay you back for the money you sent). The friend or relative of the scammer then asks for you to send money to bribe or pay fines in order to have the scammer released. From there, I have not heard of how else they are able to get money out of people. Of course there are variations to the scheme, but that's pretty much how it goes.
Here is a link that you can go to for more information:
http://ghana.usembassy.gov/romance_scam.html (yes, it is a link from the U.S. Embassy in Ghana, but it applies to all different countries and I have seen this scam come from Russia, the Ukraine, the Philippines, many other countries, and yes, even Nigeria).
And here is another link from the government of Ghana:
and another from the U.S. Embassy in Moscow:
and one more:
Whatever you do, do NOT send any money!
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