If a bank oks a purchase even when there's no money in your account, are you still liable for the overagages you incur?

I'm learning that now. ;D 6+

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by CaRbOnPrOdUcK is Baccuss on September 18th, 2009

and i don't blame them ... if i lived within my budget and showed some self control (do i REALLY need that hardbound edition of Kingdom Come??), then they wouldn't make a dime off of me

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by - MojoThunder - on September 18th, 2009

That's just it, they don't post it in Bank of America. I use two banks, and Wells Fargo posts it imediatly when you spend it. I ate Bank of America. 6+

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by CaRbOnPrOdUcK is Baccuss on September 17th, 2009

use one bank and record your purchases.

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by Esteban-- Smartest Pumpkin on September 17th, 2009

Ok, that helps me out tremendously, I wish I could give you more points, you saved me alot of future hastle, I'm sticking with Wells Fargo now that they've joind Wakovia. Wells Fargo wasn't available to me here in the SE, bus it will be soon as Wakovia. Thanks again Esteban....I'ts great seeing you again. :)

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by CaRbOnPrOdUcK is Baccuss on September 17th, 2009

did I go somewhere, you are the second person who welcomed me back.

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by Esteban-- Smartest Pumpkin on September 17th, 2009

I overlook the obvious like nobodies business. HAHAH >blush< ;)

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by CaRbOnPrOdUcK is Baccuss on September 17th, 2009

I'm late getting in the game, but i see the ballpark has alot of pot holes. ahahahahahah

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by CaRbOnPrOdUcK is Baccuss on September 18th, 2009

Yes they do, and did, consuming it in its meger totality. ;(
I think the balance was 12 cents. ;+

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by CaRbOnPrOdUcK is Baccuss on September 18th, 2009

hahaha!! ;);) good to hear from ya! ;)

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by ShoulderPadQueen on September 18th, 2009

Oh well thats helpful NOT. ahahahah how bout if you never had need for one, and are new at it because you inherited some property. There is such a thing as being new to banking, everyone was once upon a time. At least I ask questions, not hold them in and wonder because it might not be a "worthy" enough question to ask. All questions are worthy, and not everyone is all knowing,....by the way, How ya doin Possum? Nice to see you. ;)

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by CaRbOnPrOdUcK is Baccuss on September 17th, 2009

I appologize for my response.
I was taught about many aspects of personal finance in middle school and had a personal bank account by the time I had my first "real" job-maybe age 15.
Your situation simply didn't dawn on me and I was impulsive, presumptive and rude.
I applaud you willingness to learn and be glad to properly answer any questions on the subject that I can (I'm an MBA/CPA).

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by Possum on September 17th, 2009

Aw, you never have to appologize to me, that's what friends are for, not having to put on false airs.....I've been married since the dawn of mankind, and simply havent' done anything financially productive except shop, well, that's kind of productive.ahahahahahahhah... I'm learning alot by trial and error, thats' the best way i learn, cause i tend to not make the same mistake twice. THanks Possum, your the best....and I will take you up on that offer to assist me on the subject. THat means alot to me., ;D

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by CaRbOnPrOdUcK is Baccuss on September 17th, 2009

hahahahah
its CaRbOnPrOdUcT
but I changed it to
cArBoNpRoDuCt,
easy mistake to make. :) 6+

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by CaRbOnPrOdUcK is Baccuss on September 17th, 2009

Like there's a difference there.

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by Wide Awake @ has closing date woo hoo on September 18th, 2009

Yes, but i didn't give them permission to extend me credit that wasn't there, or at least i thought that's what a debt card was suppose to prevent, aren't they suppose to decline not approve purchases according to the availability of the funds at hand? ;+ 6+

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by CaRbOnPrOdUcK is Baccuss on September 18th, 2009

Good luck with that argument. How much have you paid in overdraft fees already?

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by Wide Awake @ has closing date woo hoo on September 18th, 2009

Yikes. no? thnak you Lynn-Smiles. 6+

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by CaRbOnPrOdUcK is Baccuss on September 17th, 2009

its a yes im sorry :) but your welcome for all the points :)
and thanks for the points :)

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by Evil Pregnant Master on September 17th, 2009

NO thank YOU for your answer and points :)))))))

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by CaRbOnPrOdUcK is Baccuss on September 17th, 2009

LOL no thanks you hahahha :)

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by Evil Pregnant Master on September 17th, 2009