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Re: $38 For a Cup of Coffee? Use Debit Card Wisely
 
Zoebess Views: 1,384
Published: 15 y
 
This is a reply to # 1,384,800

Re: $38 For a Cup of Coffee? Use Debit Card Wisely


I had a similar experience lately and
am still smarting from it. I had been
given a gift of $$ through Paypal and
so deposited it electronically into my
bank account I only use for Paypal so
it runs on the lean side. Still, the
amount of money was fine and I had
plenty until I made a 7 dollar purchase
that evening and paid for it. Since my
bank is in Missouri, I did not get any
notices until later when, by that time,
not only had the first purchase not
been covered, but another small one
also was not covered and the hundred
dollar gift was sucked bye by the 85
dollar overdraft charge. Now what is
frustrating is that not only was my
money gone but I owed the bank 85 more
dollars. Paypal's payment feature SAYS
that if you have insufficient funds,
they will use your credit card to cover
the purchase. That never happened in my
case and so through the finagling of the
system and what I figure must have been
withholding of the original funds for
some reason, it dominoed into a financial
mess. Fortunately, I do not use that
account and the bank seemed fine with
not only charging me but racking up
minus amounts so that I owed them.
For this reason, I refuse now to ever
do ANYTHING but use my credit card
to make a Paypal purchase. I have never
written a bad check in my life and so
consider that this bank pushing around
the papers and charging me exorbitant
amounts of money to cover their own
shenanigans is akin to robbery. I have
seen exposes on news shows like Dateline
of folks having bank trouble like this
but it took my own experience to really
rile my dander.

People beware...banks are not what they
used to be and the customer is seen as
a means to generate profit whether it be
by little or big means. Its a sad thing
too but reading the fine print on any
agreements does not guarantee anything
since they can change on a whim and you
do not have to be notified. If you borrow
money, even by using an instrument such
as a check, it is still a loan for the
amount of time they take to authorize
the transaction. In some instances this
can even be weeks. Its crazy, if you
ask me...ggg.

blessings,
Zoe

-_-

 

 
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