Wednesday, June 9, 2010

When I had a Bad Day

Once people make a mistake, we call it a lesson. The second time it happens of course, you are stupid. Unfortunately, I always tell my friend that she´s stupid when she gots a notice of an overdraft statement from her bank. She had nothing to say after reading her mail, it seems like she got use to it already. "It wastes your money, why dont you check your account before shopping?" She replied that I was not in her shoes, so I wouldn´t know how this bad situation could happen.
Last week after working, I stopped by the mail box and, one of the letters was from the bank. "Oh-my-goddddd" this was a phrase that I could say after reading the letter. It was a notice of overdraft mail the same as my friend got last time. Absolutely, I never missed to recheck that mail sent to me however, I saw my real name on it. In addition, I couldn´t sleep that night because of this situation.
A day later, I went to talk with a banker about my statement. He showned me how many times I used the card, how much I spent and, how much I had to pay for the overdraft fee each time. I was very very very shocked knowing that my statement revealed a zero balance and I had used my card 5 times for shopping, total amount of appx 150$. More than that, I had to pay overdraft fee 34$ for each I shopped. So, can you imagine how much I paid totally? 150+(34*5)=? Yessss!!! 320$ is the correct answer.

1 comment:

  1. Joy, I understand your frustration completely. This has happened to me and so many people that I know. The crazy thing is knowing that you paid $40 for a $1 item because you were overdrawn! Time to keep track of your account balance! Good luck -

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