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ugh  

post #1 of 10
10/12/07 at 11:10am
Thread Starter 
i hate overdraft charges. :
post #2 of 10
10/12/07 at 11:19am
Oh MY GOSH, I do too!!! H and I wern't talking last week and we both sent out checks for bills, than I used the card without looking at the account online, they charged us $125!!!!! I went in yesterday and asked that they take pitty on us and they did, they returned $50. Better than nothing I guess!
post #3 of 10
10/12/07 at 11:20am
Thread Starter 
ya..mine was for my payment to my midwife.
post #4 of 10
10/12/07 at 12:03pm
I know what you mean! I just applied for a credit line to be attached to my checking account so that if I go over, it just goes on my credit line and I have to pay it off eventually, but at least no overdraft fees!
post #5 of 10
10/12/07 at 12:06pm
Depending on what customer service rep you get when you call your bank, they might waive it...

But yes. Overdraft charges are not fun.
post #6 of 10
10/12/07 at 12:52pm
Thread Starter 
Quote:
Originally Posted by LoveChild421 View Post
I know what you mean! I just applied for a credit line to be attached to my checking account so that if I go over, it just goes on my credit line and I have to pay it off eventually, but at least no overdraft fees!
i SO hope my bank does this. i'm going to call them right now.
post #7 of 10
10/12/07 at 1:40pm
Our Credit Union will automatically transfer money from our savings if our checking falls short. Also, check into credit unions, their fees for things like that are way less than banks!
post #8 of 10
10/12/07 at 1:57pm
Our savings is linked to our checking, so if we go over, it just comes out of there. I think it's only a $5 charge, which is much better than the $30 fee we used to get before using overdraft protection.
post #9 of 10
10/12/07 at 2:39pm
Before I had to leave my career to move down here (from Canada to California) I was a lender at a bank and before that I was in the call centre. Oh I'd get calls all of the time about overdraft fees, or this fee or that. If someone called in and was polite and not blaming me for their mistake I would always reverse the fees. I hated it when people would call in all ablazing yelling at me like I personally did it to them... OI! Then when I was a lender people were always so much nicer to me, hmmm, anyhow again I always reversed.
Don't under estimate asking nicely it will get you so much!

I hate when banks quote policy to me when I have to talk to them. Or if they say, "it's policy..." sigh it's not like I was asking for a kidney or anything. I want to tell them that my I can easily go across the street and open an account there. I think that as a customer banks should work for me, not me for them.
Anyhow ramble ramble... I'm exceedingly good at that, don'tcha think?
post #10 of 10
10/12/07 at 11:29pm
my bank is "kind" enough to let me overdraw my account $500

they charge me $20 per transaction.
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