Can I just not pay my overdraft fees?- Page 2

[Eris0303]

Posted: 7/19/09 at 2:46pm

With direct deposit I pretty much never have cash unless someone pays me back in it. I couldn't tell you the last time I went to the bank.

[TheatreDiva90016]

Posted: 7/19/09 at 2:55pm

The ONLY store I know of that won't take a debit card is my medical marajuana dispensary.

[Eris0303]

Posted: 7/19/09 at 3:04pm

Haha, Diva

As long as you card is co-branded (ie Visa, MC, etc) you can use it anywhere you can use a credit card.

ETA - except the car wash on Rt 130 in Hamilton, NJ. Bah.

Updated On: 7/19/09 at 03:04 PM

[The Boy From Ohio]

Posted: 7/19/09 at 7:24pm

I just closed my check/savings account at my bank, for a similar promotion at a bigger national bank. I called the bank and was told that if my accounts were at $0 balance for more than a month the accounts would close automatically. Fine. Two months later I got a letter saying my checking account was negative. They had kept doing auto deposits from my checking to my savings even though there was no money in my checking and no direct deposits? They fixed the issue and waived all fees. I got them to send me a letter stating that the accounts were closed just in case...

Updated On: 7/20/09 at 07:24 PM

[adamgreer]

Posted: 7/19/09 at 8:06pm

I haven't set foot inside a bank in months. I get direct deposit, and everything else is handled online. I also couldn't tell you the last time I wrote a check.

I never carry cash, either.

[CapnHook]

Posted: 7/19/09 at 8:07pm

Yes, I live paycheck to paycheck.

And the reason was because I wrote a check to a friend I owed money to. We agreed that he wouldn't cash it until the Monday after I had received my paycheck, but he "forgot" and cashed it anyway. So I got screwed.

[blueroses]

Posted: 7/20/09 at 10:29am

"I have to keep my pockets free for my mace, or tazer."

I read that as "tazber!"

[Unknown User]

Posted: 7/20/09 at 10:48am

If you can't control your income, you MUST control your spending. I think you need to figure out on Monday how much you can spend and take that much out of your bank and use only cash. No more writing checks you can't cover till next week, no more hoping the charges won't go through till Monday- If Thursday comes and you have 37 cents, then you have to live on 37 cents till payday. It may be a crunch in the short term but you'll be happier and wealthier in the long term.
Updated On: 7/20/09 at 10:48 AM

[SNAFU]

Posted: 7/20/09 at 11:06am

Boy from Ohio, if I were you I would check my credit report. Even though things like that are resolved they somehow always end up lingering on your report for years!

[Yero my Hero]

Posted: 7/20/09 at 11:30am

Capn, call the bank and cry. It's worked for me.