 Is a 592 credit score horrible? |
| That is my score, but I own a home and make over $40,000 a year. I was 30 days late on my house payment 1 time. I have one charge-off from 3 years ago, when i was broke, and 2 old phone/tv bills(... |
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 Can I make personal charges on my business credit card? |
| My car broke down recently and I need to buy another one, but I can't afford to buy one right now. I'd have to lease or finance, but I have a business credit card that has 0 APR for a year,... |
|
 I want to open a bank account but have a bad credit rating? |
| Does anyone know where I can open a bank account where my credit rating wont be a factor - I dont want an overdraft, loan facilities or credit card...just an account and a debit card.... |
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 HELP! I'm being harrassed by creditors!? |
| I am very on time in paying my bills. About a few months ago, my employer at the time shorted my hours making it a hardship on me to pay my bills. The only thing that I could get by with is paying my ... |
|
 Returned an item and they gave me a gift card.....? |
| ok i bought a guitar pedal at this crappy/expensive guitar shop near my house and returned the day after and they gave me store credit on a gift card.... but there prices are ridiculos like the pedal ... |
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| Whats a good bank for students ?!? |
| anything other then bank of america. thnkx.... |
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 If I get married and I discover that my wife has $8000? |
credit card debt, am I responsible for her debt if the credit card
company decides to bring it to court? If so, that seems very
unfair. Any suggestions?... |
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 Out of these three what should i choose; if i am getting these free of cost!!? |
since i hv shown good results in my office(company)
i hv been offered to choose any one of these. its a type if gift for me:-
1) A World Space Satallite Radio
2)Dinner for family at ... |
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 I have a creditor calling me? |
| They want over 7,000, but are offering me a settlement of 2,400. They wanted it all at once, or in 3 payments of 800. I told them I cant afford that, and could give them 250 a month. Now they are ... |
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 I do not wish to have a credit card how can i get a debit card? |
| I am new to the U.K. And do not need to pay interest on any credit card I have never used one my whole life we have allways saved the money and payed cash but these days one canot be without a card ... |
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| New to the credit card thing? |
So, I got a credit card, and racked up a $470 bill, so before I got the statement I made a $200 payment.
I got the statement and it says they received the $200, and now I like $276 or something..... |
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 How do i get approved for a loan without good credit and a co signer? |
| i have so many bills overdue and i can't get a loan from no where bc my credit isn't good and i have no co signer.... |
|
 When is the best time to pay off a credit card ? |
| Is it better to pay off a credit card , as soon as the purchase can be seen through the online banking site or should I wait until a due date is shown ?... |
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lifeboat51 | Do banks charge if when using a debit card you do not have enough funds when shop trys to take payment? |
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 |
 
Kim
 |
It depends. If you;re trying to buy groceries and theres insufficient funds, then it wont go through. But if you make a purchase online, it might put a negative in your account and you'll get charged an overdraft fee. It all depends on your bank. Whether or not they'll let the transaction go through even though you have insufficient funds, and how much the overdraft fee will be. Bank of America for example..I made a purchase online and had insufficient funds which put a negative in my account, then the next day I received a $35 overdraft fee. Another pending transaction from the same website was denied due to insufficient funds, though.
However, in the past, I already had insufficient funds, but 4 pending transactions somehow went through, adding 4 more overdraft fees to my account. Closing my account with BoA was the best thing i've ever done. So you should talk to an accountant at your local bank and ask about overdraft fees, and whether or not pending transactions will be accounted for even if you already have a negative. It can be real frustrating. |
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OriginalBubble
|
If the payment doesn't go through ie the shop refuses your card, then no the bank dont charge you |
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djp6314
 |
Depends on you bank and if the transaction goes through, If the transaction goes through then they charge you for card misuse and for going over your agreed over draft / insufficient funds. |
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sal
 |
Yes - but usually in that situation your card would be refused. Banks charge for anything they possibly can. |
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carinayota
 |
I think they do. |
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lily_evie
|
Yes as it will take you into an unauthorised overdraft. Different banks have different charges for this but be careful as some charge a set fee plus a daily charge whilst you are overdrawn.
My advice would be if you know you don't have enough in your account for purchase use your Visa if you have one or a cheque - that would bide some time til it clears. Or better still do without til you have the money :)
Hope this helps x |
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YORKSHIRE
|
Yes. |
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gpatrick900
 |
If you knowingly write a bad check it is illegal.
Submitting a debit card without money to cover is not illegal. If it was banks would have to deny the transaction.
However, some people do forgot that you can get overdraft protection with your checking account and will cover checks and debit cards insufficient funds. |
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Health Freak
|
yes they do.
Depending on the bank, they have a leeway, where you will not get a charge if you go under £10.00 overdrawn.
But saying this, it is best not to do it as it constitutes fraud. |
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cassidy
 |
They certainly do |
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holly
 |
No. But if you have a direct debit payment from your account and there are insufficient funds they sure know how to charge you then and the more this happens the richer they get. |
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Bryon H
|
Hi!
All these "yes" answers. Has anybody ever had to pay a overdraft fee because a checkcard transaction or a force pay took the account into the negative? I have not.
It has happened to me..but no overdraft fees. And no..it's not the same thing as writing a bad check.
The best thing to do is to ask you bank. Tell them you are aware of force pays..and that sometimes big companies can indeed force a bank to pay them..and see what they say. |
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luddite
|
It's not a credit card. If you don't have enough money in your account the card will be refused. |
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newciderman
|
Yes they will charge, it is also illegal to make purchases on your card without sufficient funds to cover them, Be careful |
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Jason
|
Yes, you'll be charged an overdraft fee (basically like bouncing a check). |
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simplegirl897
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yes it's just like writing a bad check |
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