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Courtesy Overdraft Protection

Discussion in 'Political Discussion' started by weswelker#83, Jan 9, 2008.

  1. weswelker#83

    weswelker#83 Rookie

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  2. BelichickFan

    BelichickFan B.O. = Fugazi PatsFans.com Supporter

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    #24 Jersey

    I don't pay bank charges because I have a brain and don't use the cards in places that they charge. I guess some people are different.
  3. PressCoverage

    PressCoverage Banned

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    never, huh? not once used another banks' ATM?

    never been overdrawn?

    oh wait... have you EVER struggled, financially?
    Last edited: Jan 9, 2008
  4. BelichickFan

    BelichickFan B.O. = Fugazi PatsFans.com Supporter

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    #24 Jersey

    Nope.

    I've never been dirt poor but I was very much paycheck to paycheck my first few years. But I planned ahead and only bought what I could afford.
  5. weswelker#83

    weswelker#83 Rookie

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    Good for you.



    /Terminator
  6. PressCoverage

    PressCoverage Banned

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    wow... you've NEVER been in a position where you needed cash fast and had to use another banks' ATM... that's fantastic...

    and you always maintained a balance over $500, even in those paycheck to paycheck days?... never paid a single user fee at any of your banks in all your life? ... wow... what a responsible conservative you are... fortunate, as well...

    of course, anyone else who are in those situations somehow "lack a brain"... got ya...
    Last edited: Jan 9, 2008
  7. PatsFanInEaglesLand

    PatsFanInEaglesLand Rookie

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    #37 Jersey

    The poor do stay poor for a reason.

    "You can lead a horse to water, but you can't force him to drink"
  8. PressCoverage

    PressCoverage Banned

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    among a bastion of ignorant statements by you, this sits among the top...
  9. BelichickFan

    BelichickFan B.O. = Fugazi PatsFans.com Supporter

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    #24 Jersey

    I don't know what the minimums were back then - it was a while ago.
  10. PressCoverage

    PressCoverage Banned

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    color me skeptical that you've NEVER suffered a banking fee...

    again, i ask: everyone else who has thus somehow "lacks a brain?"
  11. PatsFanInEaglesLand

    PatsFanInEaglesLand Rookie

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    #37 Jersey

    Now I am shocked, you have a losers mentality.:bricks:
  12. fleabassist1

    fleabassist1 Rookie

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    #12 Jersey

    Maybe everyone should go with PNC bank. They pay me back every time I use an ATM machine... The catch is you have to have 2,000 in your account. It's good that they have more ATM machines in the area then anyone... and it's even better that most places take card now.
  13. IcyPatriot

    IcyPatriot ------------- PatsFans.com Supporter

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    #87 Jersey

    I pay $20/year overdraft protection at Citizens Bank for my personal checking and the same for my business ... money well spent IMO. ;)

    I'd pay more but they only ask for $20. :p

    Never have to worry about checks clearing, floats and all that crap.

    I simply go online a few times a week and repay the overdraft if I had used it ... the interest is usually pennies a day ... still worth it.:D
  14. PressCoverage

    PressCoverage Banned

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    but that's part of the problem, is it not? banking should be free...

    you're allowing a bank to use your money, and earn ungodly sums on its interest.... why is it "ok" when they nickle and dime you on top of the favor youre doing for them?

    if 1% of the nation collectively took their money out of financial institutions, they'd all go belly up...
  15. wistahpatsfan

    wistahpatsfan Rookie

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    Banking is free if you do it right!
    Keep a liquid money market account with a few checks for emergency.
    Get free checking. Keep the min balance to keep it free
    Use American Express or Visa and pay off the balance in 30 days
    Use cash as much as possible. People like that...a lot!
    NEVER write a check you can't cover.
    Throw away your debit card!
    And most radical of all concepts:
    Live within your means and as simply as possible. You don't need half the crap you think you do.

    ...what's the problem?
    Last edited: Jan 10, 2008
  16. PatsFanInEaglesLand

    PatsFanInEaglesLand Rookie

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    #37 Jersey

    Some people just can't live without their Newports and Malt Liquor. And other things they can't afford.
  17. fleabassist1

    fleabassist1 Rookie

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    #12 Jersey

    buy a pack of batteries on a credit card january. Pay it off.
    buy a pack of socks on the credit card feb, pay it off.

    Do this for a few months and your credit looks good.

    Cant get a credit card? Apply for a secured card and pay the 200$ security. Don't overdraft on it and you get your money back.

    After that don't spend money on anything unnessesary (booze, weed, porn, even fast food and silly things like that.)

    That's how I helped my self... and how I personally am becoming stable... it's tough and hard... but if you save your money and all of that jazz then its all good. Make a budget and stick to it.
  18. DarrylS

    DarrylS PatsFans.com Supporter PatsFans.com Supporter

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    Are these comments aimed at someone or some group specifically? From my view this is not a rich vs. poor argument, but more of an argument of stupidity of the bank clientele.

    Anyone notice the huge increase in check cashing stores, talk about another method to rip people off.. f.. ing incredible.. right up there with furniture rental stores.
  19. wistahpatsfan

    wistahpatsfan Rookie

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    It's aimed at blacks. Many black Americans think that they are being discriminated against because they fall "victim" to these rip-offs. I wonder what happened to the guy who taught me how to get myself out of debt when I was in my early 20's and basically got me on the right road. His first words were, "You should have listened to your father, but now you're here asking for my advice which is the same thing you wouldn't listen to from your father." He was a friend of my dad who was ...you guessed it.

    Man, was I an idiot until I hit 26 for some reason. Oh yeah, I remember why...girls, partying and not paying attention.
  20. weswelker#83

    weswelker#83 Rookie

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    That's the way to go , i do have it too.

    But i was told , if you have a somewhat quality credit , you are NOT eligible to have the overdraft protection.

    Meaning the poor guy with bad credit has no overdraft protection and will likely Fall in the overdraft fee game .

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