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I used the poor to defeat the poor
(lemmy.world)
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this post was submitted on 23 Oct 2023
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Oh you'd think. I honestly don't understand what the criteria for it is. It just seems completely fucking arbitrary.
The worst thing is when you try to buy something online and don't have enough so your bank charges you an NSF (Non-Sufficient Funds) fee. Literally charging you money for not having enough money. That brings me down into the negative and suddenly I'm overdraft so what do they do? Charge me a fucking overdraft fee.
Fuck you Tangerine. A total of $80 in charges. Why? Because I only had $33.65 in the bank and the PS4 game I was trying to buy was $33.85. I messed up the math and thought I had enough. But yeah. I couldn't afford a $34 game so surely I can afford $80. Pricks.
And it’s also a “feature” when a bank is like “hey bro, I know you don’t have enough money to cover all these checks/charges that just came through, so I’ll cash the biggest first, then charge $35/each fir all the others even if they were first”
It's a "feature". Banks are like "hey bro, I know she don't have any money. We'll get you this time. But you're going to have to pay $35 for it. I could just not allow The purchase to go through but I know you really really want whatever you're about to purchase. So just go ahead and buy it and pay that $35 fee. No big deal." I know that some banks you can have them turn off overdraft protection so it'll just fail the transaction but usually overdraft protection is on by default.