i have had my own credit card for a few months now, and ive pretty much fucked myself with debt already, and i detroyed that little plastic peice of shit, but i have been hit with so many bullshit charges from my bank i dont know what to do..... <table border="0" cellpadding="0" cellspacing="0"><tbody><tr class="bg0"><td height="19" width="4"> </td> \t\t<td class="f3">10/29/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">***finance Charge***interest </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$7.08 </td> \t\t<td height="8" width="4"></td> \t\t<td class="bg4" height="1" width="1"></td> \t</tr> \t<tr class="bg5"> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="19" width="4"></td> \t\t<td class="f3">10/29/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">Overdraft Protect </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$75.00 </td> \t\t<td height="8" width="4"></td> \t\t<td class="bg4" height="1" width="1"></td> \t</tr> \t<tr class="bg0"> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="19" width="4"></td> \t\t<td class="f3">10/29/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">*finance Charge*overdraft Protection Fee </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$10.00</td></tr></tbody></table> <table border="0" cellpadding="0" cellspacing="0"><tbody><tr class="bg5"><td class="f3">11/16/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">Overdraft Protect </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$25.00 </td> \t\t<td height="8" width="4"></td> \t\t<td class="bg4" height="1" width="1"></td> \t</tr> \t<tr class="bg0"> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="19" width="4"></td> \t\t<td class="f3">11/16/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">*finance Charge*overdraft Protection Fee </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$10.00</td></tr></tbody></table> <table border="0" cellpadding="0" cellspacing="0"><tbody><tr class="bg5"><td height="19" width="4"> </td> \t\t<td class="f3">11/19/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">Overdraft Protect </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$100.00 </td> \t\t<td height="8" width="4"></td> \t\t<td class="bg4" height="1" width="1"></td> \t</tr> \t<tr class="bg0"> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="19" width="4"></td> \t\t<td class="f3">11/19/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">*finance Charge*overdraft Protection Fee </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$10.00 </td> \t\t<td height="8" width="4"></td></tr></tbody></table> <table border="0" cellpadding="0" cellspacing="0"><tbody><tr class="bg0"><td class="f3">11/28/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">***finance Charge***interest </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$16.92 </td> \t\t<td height="8" width="4"></td> \t\t<td class="bg4" height="1" width="1"></td> \t</tr> \t<tr class="bg5"> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="19" width="4"></td> \t\t<td class="f3">11/21/07 </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3">Overlimit Fee </td>\t\t \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right"> </td> \t\t<td height="8" width="8"></td> \t\t<td class="bg4" height="1" width="1"></td> \t\t<td height="1" width="5"></td> \t\t<td class="f3" align="right">$39.00</td></tr></tbody></table> this is all of the charges i got hit with over the last few months..... first of all it is a student credit card that is not suposed to have any interest charges if i meet the minimum payment, which i have, and what the fuck? 100 bucks, 75 bucks, 25 bucks all for "overdraft protection..." what the fuck is this stuff? theres some other details that i dont wanna share here.... but can somebody please im me at JScott0889 if you can offer some help/advice? im really in a bind here.......
It allows you to write a check or whatever for over the ammount of what you have in your checking account.
overdraft protection is when you have two accounts. if you overdraw one, the other will be used to pay the overdraft, with a smaller fee attached, typically ten dollars, where as a full overdraft fee could be 35 dollars + it bascially saves you money when you do overdraw an account.
ok so i figured out the overdraft charges went into my checking acound because i use that card the most, and i guess i went under my account into the negatives.... fuck.... i hate this shit..... also im the kind of person who sees something, spontaniously signs up for something, and then forgets about it...... i have emailed a few stupid things i have signed up for, i mean they said if you cancel within a certain amount of time you get refunded so thats the only reason i paid for this random stupid things like signing up for a secret shopper website an shit like that..... but i have emailed their customer service, and in all 3 diff cases they have cancelled my account as requested but the charge is still on my credit card.... i hate life