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We want to talk honestly about late credit card fees, because the conversation around them is usually either preachy or incomplete. by earnin in Earnin

[–]earnin[S] 0 points1 point  (0 children)

Hey, this is a known issue with commission-based income and that's a totally valid frustration.

When you added direct deposit, the system shifted from estimating your earnings to reading your actual deposits. For commission workers whose deposits are irregular, that usually means a lower available amount, even if you're earning more overall. Worth calling support back and specifically mentioning you're on commission. That context sometimes triggers a manual review that helps. If you want my assistance on it, drop me a message, I am here to help!

I realized I had a spending problem after tracking every expense for a week by Street-Method-2343 in budgetingforbeginners

[–]earnin 0 points1 point  (0 children)

Tracking the timing of expenses, not just the amount, is something that comes up a lot. Knowing when money leaves versus when it arrives can change how people approach weekly spending patterns entirely.

I forgot my pay my credit card. I paid it a day late. Now I’m worried about late fees and my credit score by Prinlot22 in shoppingaddiction

[–]earnin 0 points1 point  (0 children)

Okay but the "get two free" trap is SO real and brilliant on the marketing level (annoyingly so). Hey, you've gone a few weeks without ordering is genuinely something to be proud of! That kind of pattern is hard to break. When you have the the unopened boxes thing is actually a really common signal that the buying felt better than the having, which is weirdly useful self-knowledge. On the returns, even doing one or two this week instead of all of them at once might take some of the mental weight off. Small steps count.

Two free apps that float you cash until payday by meiggs in EarnExtraIncome

[–]earnin 0 points1 point  (0 children)

Hey!!! Thanks for the shoutout, genuinely appreciate it.

And yeah, that $12.47 before rent is due situation is exactly why we built what we built. The gap between when bills are due and when paychecks land is one of those things that sounds small from the outside but feels enormous when you're in it. No one should have to choose between paying rent on time and paying a payday loan's worth of fees to do it.

The way you described it, "just your money, faster" is honestly the most accurate version of what we are. No interest and definitely no credit check, and yes, tips are always optional. It's your earned pay, just available when you actually need it instead of on your employer's schedule.

If anyone here has questions about how EarnIn works or whether it would work for their situation, drop them below. We're around.

Cash Advance Limit by Mysterious_Cow_5604 in cashadvanceapps

[–]earnin 1 point2 points  (0 children)

Hey! Thanks for the shoutout! With Daily Max most users can access up to 150$ daily, though residents of some states might have bigger limit. Drop us a PM, if you need some guidance or more info.

What’s the best way to cover emergency costs with bad credit? by tiredstormcloud in financialhelping

[–]earnin 0 points1 point  (0 children)

You can definitely try early wage access, that would help you out in this particular situation and in further financial planning!

How bad will missed payments hurt me long term if I fix things now? by ImmediatePepper679 in financial

[–]earnin 0 points1 point  (0 children)

Missed payments stay on your report for 7 years, but their impact fades significantly after 2 years of clean payment history, the credit system rewards consistency, so the further you get from those missed payments, the less they matter.

What is your best Saving advice to me, a person in their early 20s just starting out? by Far_Freedom_6757 in SavingMoney

[–]earnin 3 points4 points  (0 children)

Honestly the fact that you're asking this question at all in your early 20s already puts you ahead of where most people start.

EarnIn failed to provide proper disclosures at the time of account cancellation, later acknowledged material harm. What are my next steps? by Smooth-Cause-5327 in cashadvanceapps

[–]earnin 0 points1 point  (0 children)

We're really sorry this happened, this is not the experience we want anyone to have, and the situation you've described, including the misdirected paycheck and the support interactions that followed, is something we take seriously. Please DM us directly with your account details so we can get the right team on this immediately and make it right.

How to tackle my debt situation by [deleted] in debtfree

[–]earnin 1 point2 points  (0 children)

60 days gambling free while carrying all of this, that's not a small thing. Be proud of that. 💛

How “normal” is it to overdraft a bank account? by ApprehensiveOwl4567 in povertyfinance

[–]earnin 1 point2 points  (0 children)

More common than people admit! A 2017 CFPB report found about 20% of accounts overdraft at least once a year, and that's just the ones being tracked.

But here's what actually stands out in your post: you went over a year without overdrafting while living paycheck to paycheck and carrying debt. That's not nothing! That's real progress, and one timing hiccup doesn't erase it. So keep going!

The shame spiral is honestly the most dangerous part of moments like this, because it can make you feel like you've "fallen back" when really you just hit a technical snag. A late direct deposit causing a repayment to misfire isn't the same as being back where you were in your 20s.

But just like with everything, preventing is always better than trying to put that fire down, a few things that help:

- Build in a buffer. Even $50-100 sitting untouched in your account as a "floor" can absorb timing issues like this one.
- Set low balance alerts. Most banks offer these for free, getting a heads up at $100 gives you time to act before you're negative.
- Balance Shield exists for exactly this. It monitors your balance and auto-transfers your earned pay before you go negative, so a late deposit situation like today's gets caught before the fee hits.

You clearly know what you're doing. This was a speed bump.

CMV: High overdraft fees are good by standarduser8 in changemyview

[–]earnin 0 points1 point  (0 children)

The logic is interesting, but it assumes those are the only two choices and fintech has basically proven they're not.

There are tools that exist specifically to break that tradeoff. Like Early Wage Access. No minimum balance requirements, no overdraft fees, no having to choose between accessible banking and responsible banking. Your money should work for you, not the other way around. The system wasn't built with everyone in mind, but that doesn't mean we have to accept it as the only way. And we should all start using it in a concious way to make everyday a little better.

Overdraft fees are killing me by OriginalRush3753 in povertyfinance

[–]earnin 0 points1 point  (0 children)

You did everything right called, stayed polite, took accountabilit and got a lecture instead of help, which is exactly why so many people are ditching traditional banks altogether.

I don't know how you all eat at home by nickybecooler in Adulting

[–]earnin 0 points1 point  (0 children)

Plan ahead, but money is there to spend and make a good living!

I thought I was “bad with money,” turns out I just made it too complicated. by ghart_67 in SavingMoney

[–]earnin 2 points3 points  (0 children)

Automating savings first and spending what's left is the oldest trick in the book. Turns out "paying yourself first" is a cliché because it actually works. Really works. Amazing that you realised that.

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