Originally posted by Sherlock Holmes
I think it's a shame that people are so irresponsible and negligent with their money, that they have to even introduce this.
For all the talk about rich, immoral banks ( justifiably ), we don't exactly do ourselves any favours by giving them free money in the form of
overdraft fees and getting penalised for carrying out transactions with money we don't have.
If people kept track of how much money they had in their account and avoided needless credit, then the bankers wouldn't be quite so rich !
I disagree with this statement. Why? Here's why...
When I use my card for a purchase it immediately shows up as pending transactions. A SINGLE day later, that charge is no longer in pending or posted
transactions. It's just gone.
They purposely try to get people to go over their balance. It's one thing if they didn't, it's another thing when they purposely try to get people
to go over.
I'm no saint as I like to party hard. Sometimes I forget if I used my card or not. But if I pop onto the online banking then it makes sense why my
balance is low. What they do is BANK on you forgetting you spent any money that night. Then pop on to check your balance but it's really not your
actual balance. They BANK on that!
Again, it's one thing if I go over all on my own. It's another thing when they bait people to go over.
[edit on 12-8-2010 by Come Clean]