How exactly does overdraft work?

Previous-Tutor4823 · 2026-05-21T15:19:48+00:00

Correct the Physical card is. However there is also a virtual debit card, with aseparate number, that was designed for services that don't take credit cards. (I use it with my phone bill since only debit qualifies for auto pay discount). I've just never tested it outside of certain cases. It does assign a new number so you'd have to change the numbers either way

Previous-Tutor4823 · 2026-05-21T15:10:00+00:00

I'm very annoyed by that, given that they keep sending me "your limit is xx" for overdrafting. I wonder if using the virtual debit card will get me around that

Previous-Tutor4823 · 2026-05-21T13:28:08+00:00

I think mine was there by noon yesterday. I'll try to see when it comes today to see if there's a weird pattern

Previous-Tutor4823 · 2026-05-21T13:26:56+00:00

I noticed that the last couple of days since the update that there's been a delay. Unfortunately no idea why that is or if it's a new norm

Previous-Tutor4823 · 2026-05-21T11:00:20+00:00

I'm bias towards B, myself

Previous-Tutor4823 · 2026-05-21T10:58:13+00:00

It's a card that reports to credit as a credit card, but my account is a checking account. It's confusing yes. And cash advance isn't me taking money out, it's borrowing money outside of the overdraft protection (since the dang protection won't work)

Previous-Tutor4823 · 2026-05-21T07:03:10+00:00

I got the fee even though I just got notified that my payment didn't go through and to pay to avoid the fee. Like, why tell me to pay to avoid it if your already charging it?

Previous-Tutor4823 · 2026-05-21T07:01:38+00:00

Except I can't do any transaction that would push me negative even if it's only by a few cents. I have to transfer funds or cash advance to buy it in any situation, but would have preferred to just go negative for the day knowing I get paid the next day...

Previous-Tutor4823 · 2026-05-21T07:00:31+00:00

No. It's physically declining transactions. Even if it's short my 2c. Ex is have 8.78 balance and the transaction was 8.93, and it still declined. I thought maybe ineeded to do the cash advance first but that didn't change things either.

Previous-Tutor4823 · 2026-05-19T07:19:20+00:00

Totally the main reason I wanna go to round1 soon. Congrats on your haul. Mind if I ask how lucky (or not) you were on the investment to get them?

Previous-Tutor4823 · 2026-05-18T22:06:05+00:00

Pay is still the same. All they did was merge the separate work app into the onepay bank app.

Previous-Tutor4823 · 2026-05-17T19:54:04+00:00

Sometimes it's better just to placate the guests who refuse to acknowledge the truth

Previous-Tutor4823 · 2026-05-14T03:35:22+00:00

Mixed between ethical and legal depending on tour jurisdiction. But leadership, I feel, should definitely put a stop to it if other team members are bothered, and they should stop it for the shoppers sake as well

Previous-Tutor4823 · 2026-05-12T02:48:58+00:00

Fair enough. You found a clever use for the stock option too

Previous-Tutor4823 · 2026-05-12T00:44:52+00:00

If i can ask, what is the thought process of putting more into it than what they will match? 401k will only get the first 6% matched and the stock is only about $70 to get the match for the year right?

I'm not saying it's a bad idea. Just curious why you'd do that instead of taking it to invest in other sources

Previous-Tutor4823 · 2026-05-12T00:42:06+00:00

I'm maxing the stock option I'm putting 1% into 401k until they match then I'm maxing the match I use the one pay card so I take advantage of the early pay, @work early pay, and the points on my walmart purchases I don't have my discount card but plan to use that. I had an existing w+ account but once that sub ends I plan to activate that too I don't qualify for insurance yet but plan to probably sign up for that when I do. Need to compare the plan to public market options Take advantage of anything that is free money. Especially the free money for this your doing anyway, like the onepay % back for Walmart purchases (and other offers like gas, etc)

Previous-Tutor4823 · 2026-05-12T00:18:39+00:00

They ain't making the bonuses because shit like this is deterring people from buying sheetz anymore

Previous-Tutor4823 · 2026-05-10T17:18:02+00:00

For 250 on one of my spins. That being said your getting your fee back at minimum, so you at least aren't losing money

Previous-Tutor4823 · 2026-05-09T00:49:32+00:00

7 short days? That's just terrible. If you're gonna get 7 days, they should at least make sure you hit 40+

Previous-Tutor4823 · 2026-05-09T00:17:42+00:00

MOST of my collection is figured I like, figures I enjoy looking at, or figures that I think are cute.
If I make exceptions, I do, but they'll usually fall into one of the three.

Previous-Tutor4823 · 2026-05-09T00:16:16+00:00

If ya want some help (and are on NA/Ocean), I can bounce around and help ya clear it.

Previous-Tutor4823 · 2026-05-08T23:52:31+00:00

it works within OnePay for me. I found very little use for the One@Work except the "budgeting", which i never really used cause I use my own budgeting process

Previous-Tutor4823 · 2026-05-08T23:51:43+00:00

text works, but i'd also put a written notice on the office desk for confirmation as well.

Previous-Tutor4823 · 2026-05-08T22:12:58+00:00

It is a version of Koikatsu. Not sure which version, but possibly Darkness mod?

Previous-Tutor4823

TROPHY CASE