Overdrafting? I’m over it.
First of all I am an amateur writer, however I’m broke just like all the other bloggers and desperate to find extra cash. So please don’t kick my blog to the curb.
My experience involves banking. As much as I try to manage my funds I can never come out ahead. Try balancing my checkbook. Miss something, overdraft. Then the banks go and change up midstream telling you that they don’t care if you have money in your account or not every purchase will go through.
So I monitor my account online. My account gets severely overdrawn. I call cust service they tell me that they rearrange your purchases according to amount, largest to smallest. So I make about six small purchases. My account has $800 dollars in it. I make a purchase didn’t check my account rushing make a $758 purchase and 2 small purchase about $21 and $14. They overdraft. I check my account and see last 2 overdrafted. The next day I’m -$325 in the red.
Well I’m livid, distraught and freakin out. They rearrange all my purchase that weekend and all of them bounced because they put the $758 purchase first and instead of 2 overdrafts I had 6 overdrafts. I’m so mad at myself for falling victim to this scam. They took my whole check for 2 weeks. I’m still recovering. I now have learned a very expensive lesson. Check my account daily, and make sure I don’t go over and cancel that keep the change crap they offer.
Even though it was my error I still think it’s unfair to make me pay overdraft fees on purchases that were NOT overdrafted. I rather them deny the purchase or take them out as they come in than make it seem like I go around making several purchases without money in my account. I WILL get through this and I WILL stop allowing banks to use my procrastination and disorganization against me.
Filed under: Financial Experiences
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