Overdrafted Checking Account

[augie00]

Over Thanksgiving weekend I had the pleasure of having my car towed for an unexpected $150 charge. Because I'm really smart and have all my money online, I overdrew from my bank account and my current balance is $-2.24.

So the question is this.

Should I go out today and charge more stuff to my credit card and go even further into the red? Is this a good idea? I really want some sushi, and as things stand I have zero money, zero gas, and zero food. So my card is my only hope for survival. Or perhaps I will go hungry today. Weird. I hope you find my predicament as hilarious as I do.

fwiw, two cashouts should hit Monday morning, so it's not like I'll be in the red for more than even a day.

[surfinillini]

you're gonna get hit with an overdraft fee unless you have overdraft protection (look into that).

so you might as well continue charging stuff, the fee will be assessed if your -.01 or -1000.00

Yeah, just keep overdrawing; just keep in mind they will charge you $35 for each instance.

No, dont, every purchase you make will come with a 20-30$ fee, so even if you spend 10$ on lunch it will end up costing you about 40$. 'spensive food. Go to a grocery store, buy some gum and get 100$ cash back with a check.

[The Truth]

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you're gonna get hit with an overdraft fee unless you have overdraft protection (look into that).

so you might as well continue charging stuff, the fee will be assessed if your -.01 or -1000.00

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I think I agree with this.

Just make sure you can pay for it all later.

blake

Also, netteller debit card is the [censored] for situations like this. You just have to wait 2-3 hours till you can get your money.

[surfinillini]

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No, dont, every purchase you make will come with a 20-30$ fee, so even if you spend 10$ on lunch it will end up costing you about 40$. 'spensive food. Go to a grocery store, buy some gum and get 100$ cash back with a check.

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I don't get this...who is your financial institution? Bank of Cuba?

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No, dont, every purchase you make will come with a 20-30$ fee, so even if you spend 10$ on lunch it will end up costing you about 40$. 'spensive food. Go to a grocery store, buy some gum and get 100$ cash back with a check.

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I don't get this...who is your financial institution? Bank of Cuba?

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I believe all the major banks around here (bank of america, usbank etc), charge a per transaction fee. If you over draft your account, once you are in the red, every transaction is assessed a fee, not just 1 fee for being negative.

edit- Im positive USbank charges a fee per trans, because I just switched over to them, and kept a small balance (100$) while my Bank of America account got all my checks cleared etc, and I accidently wrote about 10 checks to my USbank account, becaue I grabbed the wrong book. Ive never over drafted my BoA account

[Publos Nemesis]

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No, dont, every purchase you make will come with a 20-30$ fee, so even if you spend 10$ on lunch it will end up costing you about 40$. 'spensive food. Go to a grocery store, buy some gum and get 100$ cash back with a check.

[/ QUOTE ]

I don't get this...who is your financial institution? Bank of Cuba?

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I believe all the major banks around here (bank of america, usbank etc), charge a per transaction fee. If you over draft your account, once you are in the red, every transaction is assessed a fee, not just 1 fee for being negative.

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bank of america charges you each time as does wachovia. you're [censored] dude. you should just borrow $. never let your account get below $500 just in case of [censored] like this. also, get a credit card in case [censored] like this does happen and you have no $ on hand.

[_2000Flushes]

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Bank of Cuba?

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What does that even mean?

-2kF