LET'S SEE.
Originally Posted by seasoned vet
Originally Posted by sreggie101
Originally Posted by seasoned vet
....bruh. its simple, people are lazy and have gotten used to letting the bank tell them whats in their account. which is a VERY easy (and stupid) thing to do in this swipe economy.
- i cant stress enough how using cash instead of an ATM solves mostly all of these 'banking problems'. there is NO REASON why any responsible adult should have to goto an ATM more than 3 times between checks EVERY SINGLE PAYDAY. none what so ever. but people try to justify it so they can keep doing what they wanna do, all while getting hit in the head with fees each month......AND complaining.
- ive had a checking account since 1998 and have NEVER overdrafted........my method?
^ all of this takes place within 2-3 days of me getting paid WITH the check clearing. therefore negating all potential of an overdraft due to me swiping non stop until the next payday. the whole 'bank rearranging' argument is only valid IF you are constantly swiping your card the whole time between payday's.
simple........SIMPLE, but doodes make it ultra complicated.
here is a thread where i talked about this exact problem at length 2 years ago about the very same bank. doodes was content in their ignorance then and i see the LOUDEST complainer in that thread just entered this one.......... que the *and here we go .gif*
.....and im still@ "i keep great track online"
i agree overdraft fees can be avoided. i've had my fair share throughout college (although it is kinda OD to charge that much even for going over a penny) Not to take shots at u or anything but it seems you're making out using a debit card exclusively a bad thing?
.....it IS a bad thing.
- its a bad thing because these banks STAY playing games. its well known that they STAY playing games, and they set the rules. yet people still play the game as if they have no other alternative.
....just because you can swipe doesnt mean you should. we use to get along just fine with cash. now people feel entitled to swipe at will because they can, worry about the details later and then have the nerve to complain. the world doesnt work that way and the banks are taking your (fees) money while laughing all the way to the bank.
- take a moment and think on how much money banks make off these 'supposed' bogus overdraft fees alone? yet people expect them just to say nevermind........our bad, keep your money? when you have the intelligence and the full capability to research the best financial situation yet choose not to....and then complain?stop.
- case and point. fair has nothing to do with business. this isnt a perfect world. the best thing for any of us is to be smarter about our money and use their rules against them.
- it was obvious to me even back in 1998. i had coworkers that had BofA accounts/Debit cards that were always complaining about fees and rearranging and whatnot. but they wouldnt leave because it was the biggest nation bank in the area at the time. while my money was sitting in the local credit union.......i was using cash even back then. it was obvious to me that if you're that unhappy, then leave. but nah, we'll just sit here getting knocked upside the head every month and complain.
....and the cycle repeats itself.
*customer gets tired of bank charging fees*
*customer moves money to another bank that doesnt charge fees (yet)*
*bank gets bigger and starts charging fees*
(repeat)
- its interesting to see the lateral moves people make in life when something bothers them. completely blind to the fact that they can move forward or backward. steadily putting up with something just beacuse they're used to it.
...oh and ftr, i have yet to see a credit union complaint on the same level of these big bank complaints in this thread
- this big bank cycle is fueled by the swipe mentality. people feel like its their right to swipe so they look for the biggest national bank in their area with the most ATM's. and it will never change until people empower themselves and get smart about their own money. instead of waiting on the bank to have heart, we need to get a clue.
.......yeah, um, good luck with that.
SoleWoman wrote:
AME416 wrote:
lol at yall saying thats a lot..it sounds accurate for any independent adult...no slander/hate
mine:
car
car insurance
fathers life insurance
cable
student loans
electric
gas
alarm company
cell phone bill
fathers cell phone bill
rent
water
Plus gas, groceries, and other expenses (paying back taxes fml)..
not to mention giving money to family every week. hell thats a bill in it self.
I use a credit union though so i have no complaints. When pay day comes I just pay all my bills up front despite the due date, set aside rent money and leave the rest hanging. I think i am going to just start taking cash out to minimize my spending...as an allowance of some sort.
THIS IS A GREAT APPROACH TO TAKE. YOU WILL BE AMAZED AT HOW MUCH EXTRA MONEY YOU HAVE WHEN DOING THIS. BEST THING I EVER DECIDED TO DO.
CARD SWIPING CAUSES TOO MUCH PROBLEMS AND OPENS YOU UP TO BE TAKEN ADVANTAGE OF. A LOT OF PEOPLE ARE IRRESPONSIBLE WITH MONEY AND THE BANKS KNOW AND PREY ON IT. EVEN IF EVERYONE WAS RESPONSIBLE WITH THEIR ACCOUNTS THE BANKS WOULD FIND ANOTHER WAY TO TAKE ADVANTAGE OF YOU ON SOME NEW "YOU HAVE TO MAKE DEPOSITS AND PAY YOUR BILLS ON THIS SPECIFIC DATE OR THERE IS A $50 FEE".
WHEN YOU HAVE A PHYSICAL AMOUNT OF CASH TO STICK TO IT'S A LOT EASIER TO STICK TO IT. ANY EXTRA THAT IS LEFT BY YOUR NEXT CHECK, INDULGE YOURSELF.
LET'S SEE.
NO PROBLEM.
I think he was referring to manually paying bills. Most people have their bills set up on auto pay.
I think he was referring to manually paying bills. Most people have their bills set up on auto pay.
YES I PAY ALL MY BILLS IN PERSON WITH CASH WITH THE EXCEPTION OF MY RENT WHICH I PAY WITH A USPS MONEY ORDER. IT ISN'T AS INCONVENIENT AS YOU WOULD THINK. A LOT OF THE BILLS ARE WITH THE SAME COMPANY SO I PAY THEM ALL AT ONCE WHEN I STOP IN SUCH AS (CELL, INTERNET, CABLE, HOME PHONE) IS 1 TRIP, (CAR NOTE, MOTORCYCLE NOTE) IS 1 TRIP, ( RENT, ELECTRIC, GAS, WATER) IS 1 TRIP, ETC.
