Overdraft?? Oh like that 1000$ or whatever that allows you to " borrow " money just incase you need it, but then once you put money in the bank it subtracts it?? I think I have that, but just never used it.

check first post, i put what it means...if im correct

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quote:

Originally posted by DjWhooCares check first post, i put what it means...if im correct

I wrote my post before you edited it..

i know EXACTLY what you mean, that same shit happened to me this week. My bank statement said I had 5 dollars left in my balance, so I got 3 dollars in gas and something else that cost 75 cents. Each were two different transactions. The fee for overdrafts at my bank is 20 something dollars and I had to pay 55 dollars for those two purchases. Weak shit I tell you.

these fees are being challenged over here these days... They claim it's a paperwork charge, but can't prove it's costing £25 or so a time to do so, to the point that where most people challenge them & get rid of them as a rule. I try not to go overdrawn myself, I have an arranged overdraft of £10 (about 20 usd) and I like to stay in the positive side of 0 still, and i live on a very minimal budget (think once worked out i get in a year what Neo spends in 1 or 2 months)

Yeah... how dare they charge you for taking their money after you signed a contract that said youd agree to do such a thing should you ever overdraw.

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Originally posted by Ang ' ela_ie Yeah... how dare they charge you for taking their money after you signed a contract that said youd agree to do such a thing should you ever overdraw.

stop being a snotty brat, thats not why I ranted...

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Originally posted by hadi ****** you should try and remember when you use it as a debit or as a credit card. sometimes credit card purchases on a debit card take a few days to post, and ive screwed myself in the past because of this. now i try to not use my debit card as a credit card anymore, because if you use it as debit, it will take the money out right away and should show up on your balance immediately.

ahh never thought of that...good stuff thanks...ill keep it in mind

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use a credit union.

They transfer funds from my savings to checking if I 'overdraft' and never get charged.


btw. You should what you have and what you spend and know where you sit.

Its not the bank error that caused the overdraft, its called user error.

wow this thread makes me feel rich.

I don't understand, how people can't manage their own bank account, without hitting overdraft. Either, slow down on your spending, or manage your bank account and credit accordingly. It's not that hard.