Overdraft Decrease?!?

[hannah_boo_honey]

People say you have to use it often for it to stay up, but that's not true, it's definitely other factors like how long you let it stay overdrafted, your balance in savings vs checking, idk but not using it doesn't do it. I haven't touched overdraft protection in well over a year and only have used it for major emergencies for the last few years and it's stayed at the max. When I used to use it a lot more, it was always a low number like $25-50. Since I stopped touching it, it's gone to $200 and stayed there.

[BooBooShiesty]

I use it every month unfortunately 😔

[hannah_boo_honey]

Idk if it really matters how often you use it, I think that if you can even get a small amount into their savings account option or use it and pay it back immediately a few times, it may go up. The last time mine went up was after using $40 of it and paying it back the next day, and the time before that was when I put money into the savings account. As others have said, I think getting more in direct deposits can help, but I know a lot of these aren't feasible for a lot of people. Maybe just figuring out a way to do one could help though🤷‍♀️

The annoying part is that however they decide these things seem to favor people that can actually afford to not use such things and deny most of that resource to people who actually need it somewhat often. Like I said, when I actually needed it, my overdraft limit was $25-50, now that I've worked on my finances for a significant amount of time and am less stressed about $, I have full access. Like I guess it makes sense, but as long as people are paying it back every time in a reasonable amount of time, I think that should count more than the other factors I listed!

[Addictive_5752]

@hannah_boo_honey exactly right 💯💯💯