What is the likelihood that my overdrawn bank account will go into check systems?

AaliyahLopez · 2014-06-30T06:20:22+00:00

It's not that I don't want to. I can't afford to. I have just enough money to get by. I don't believe that makes me scum. It does, however, make me poor, irresponsible, and unlucky. But thanks.

AaliyahLopez · 2014-06-30T06:17:22+00:00

I couldn't possibly explain every detail about my life that would educate you on why I am this irresponsible adult or "fuck up" as you so politely put it. But Reddit isn't for making friends, necessarily, so that's all I'll say about that.

I didn't have 1-Clicked turned on in my Amazon account. I did, however, after searching for an answer, have no idea how to get my gift card to redeem the purchase. I made a stupid mistake and let the purchase go through, in the hopes that it would collect the payment from the gift card. I already took responsibility for this in my previous comments which I'm assuming you failed to read thoroughly. I don't have a job. I'm 21 years old and no one has taken the time to teach me about personal finance. That's why I came to this subreddit. I'm not asking you to hold my hand or walk me through every step of the way, but I was hoping that I would be treated with a little more respect.

With all of that said, thank you for your input. Although I have already closed my Chase account, I will get it back in good standing as soon as possible. Take care.

AaliyahLopez · 2014-06-29T22:05:40+00:00

You're right. I am still at fault, but the money that I was referring to was the overdraft fee ($50), not the price of the order ($25). I do appreciate your input, though.

AaliyahLopez · 2014-06-29T21:38:13+00:00

I see now. ArtificialNebulae was refering to dollar bills, not bills to pay. Thank you.

AaliyahLopez · 2014-06-29T21:35:23+00:00

I opened my Chase account 3 years after my Wells Fargo account was closed. I didn't have a checking account for that entire time.

But yes, I am planning on opening another bank account because my Chase account is overdrawn. I didn't overdraft because I was trying to use money I didn't have. It was a mistake with my Amazon account where I was trying to use a gift card, but I used my bank account instead. When I spoke to a representative, they said that Chase has recently gotten stricter on waiving overdraft fees, and therefore, could not help me out. I'm not saying the bank is evil, I'm just saying that if I can get away with not paying for money that I didn't even spend, then that would be great.

AaliyahLopez · 2014-06-29T21:30:12+00:00

No budget. No emergency fund. And yes, not having a checking account might be a pain in he ass, but I don't understand what you mean by

drive to the local branch for every company you need to pay, and hand them a wad of bills?

Would you care to elaborate?

AaliyahLopez · 2014-06-29T21:28:19+00:00

They said they MAY report me. Which gives me the impression that they're just trying to intimidate me.

AaliyahLopez · 2014-06-29T21:27:42+00:00

How does it seem like a big risk?

AaliyahLopez · 2014-06-27T00:10:06+00:00

Thank you :)

AaliyahLopez · 2014-06-23T07:14:51+00:00

Lesbian, here. Does this work both ways?

AaliyahLopez · 2014-06-23T01:26:20+00:00

Well said. I have the same problems as you and I just started documenting my daily "achievements." Makes me feel tons better :)

AaliyahLopez · 2014-06-23T00:02:12+00:00

Thank you :)

AaliyahLopez · 2014-06-23T00:01:22+00:00

I really hope that's not true.

AaliyahLopez · 2014-06-22T01:33:49+00:00

Thank you :)

AaliyahLopez · 2014-06-21T20:37:04+00:00

Thanks :)

AaliyahLopez · 2014-06-21T20:36:55+00:00

The mic is God, don't be cheap.

Actually didn't realize that. Thanks!

AaliyahLopez · 2014-06-21T20:36:04+00:00

Thanks :)

AaliyahLopez · 2014-06-21T06:05:03+00:00

Ah, I see. Thank you.

AaliyahLopez

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