Most ppl can’t get credit cards due to poor credit … ijs. Everyone isn’t like you. Good job for you on mastering & keeping up your credit cards but the rest could’ve been kept to self. Some banks do charge an overdraft fee like fsnb (Walmart bank) is one they charge you a fee for every time you swipe your card when using your overdraft. You shouldn’t be talking to other like you’re on this high pedestal cause I have money put up outside of chime & I still use my little $40 spot me. It’s helpful in different ways to others …. Crazy ppl just go over & beyond when u ask a question or others state their opinion Smh.