I'm not in a rush to pay back my roommate
Why don't you want to pay him back on time?
I want to make this guy suffer
You don't have to like him. But handle it like an adult and pay your debts.
It is okay. My credit card is going to get ruined anyways so it doesn't matter if I pay.
Credit cards can be paid of eventually even if you are in a hole. Start by paying of your debts promptly and you will be able to climb out the hole.