alexseanchai | (no subject)

(no subject)

I got nailed with the insufficient funds fee not twice but four times. Two of them today, and I deposited six hundred dollars today. What the ever-loving fuck.

Banks are worse than this?

I suppose I didn't really have other plans for that $140...

(to the people who bought things off my Etsy in the past couple days: thank you ♥♥♥)

And now the one credit card company isn't letting me add a new payment account without the security word I've gone and forgotten. Lovely. The others are not giving me this trouble.

Flat | Top-Level Comments Only

:( How sucky.

(In other news, your Christmas present arrived. Thankyou!)

Yep. :(

I'm glad for that.

That sucks. :( They should make these* poverty taxes illegal.

*and all the other hidden expenses to being poor

*nodnodnod*

And yet the banks act shocked when people protest them and their sharp practices.

This is a credit union. But yeah.

A less than nice credit union, apparently. I don't suppose there is a one you could switch to with better practices?

I've been looking around for a credit union or local bank to move my money to, and I know it's been bewildering how different policies can be from one place to the next. :(

I haven't even finished switching to this one. Argh. *checks* Okay, I do qualify for the other credit union in town, on account of Dad's retired military. But I think I'd rather stick with the credit union that I qualify for on my own merits and that's a three-minute walk from my place of employment.

I'd consider at least trying to get some of the fees waived. Doesn't cost you anything to try , and that's an extraordinary fee to pay when you fixed the problem pretty much immediately. Many of the larger banks would do it, and a credit union in theory should have better service.

Hm. I shall try. Thanks!

ETA: Sent the credit union a politely worded nastygram. We'll see what comes of it.

Edited 2011-12-03 18:20 (UTC)

*crosses fingers*

Those extra two fees? Probably for the fees they charged you which your funds couldn't cover.

Tchep. Banks have SHARP practices.

And it's not possible to get by without them. Not with any significant chance of success, anyway.

(I repeat: this is a credit union. Credit unions aren't supposed to do this shit.)

Why not? Credit unions aren't all morally upstanding - any more than all banks are evil. This is why you need to look deeply into corporate practices and t&cs before opening an account: because there's too little regulation of those grim practices over there.

*sigh*

Don't sigh! Occupy!

...That slogan works better than expected...

*snicker*

I don't know anybody in Occupy Thistown, though, and the only time I have to go sit with them is after work (when it's dark and cold) and weekends (when I have other things needing done, and also it's cold). And the sad part is? Part of the impetus to switch from Big Bank to Little Credit Union was Occupy. (Other part was Mom's joint on the Big Bank account and kept asking awkward questions about where my money goes.)

Flat | Top-Level Comments Only