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  1. #11
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    I don't believe in paying penalties or credit card interest. Whenever I get caught,(very rarely) I will penalize the institution by refraining from using their service until their lost profit at least equal the penalty.

  2. #12
    Senior Member Lateralus's Avatar
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    I don't like these charges either and some banks may be unethical in their application, but banks have to make a profit if they want to stay in business. If these charges are outlawed, banks will have to generate cash through some other means. Perhaps they'll have to start charging you a monthly fee for your account.
    "We grow up thinking that beliefs are something to be proud of, but they're really nothing but opinions one refuses to reconsider. Beliefs are easy. The stronger your beliefs are, the less open you are to growth and wisdom, because "strength of belief" is only the intensity with which you resist questioning yourself. As soon as you are proud of a belief, as soon as you think it adds something to who you are, then you've made it a part of your ego."

  3. #13
    Senior Member cafe's Avatar
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    Quote Originally Posted by oberon View Post
    Buh ha ha ha ha ha ha!!!!

    [snerk snort]

    You think those Dem congressmen care about you?
    Care is too strong a word. They care about being reelected and democratic voters may be more likely to hold feet over the fire on these kinds of issues than republican voters whose concerns tend to lie elsewhere.
    “There are two novels that can change a bookish fourteen-year old’s life: The Lord of the Rings and Atlas Shrugged. One is a childish fantasy that often engenders a lifelong obsession with its unbelievable heroes, leading to an emotionally stunted, socially crippled adulthood, unable to deal with the real world. The other, of course, involves orcs.”
    ~ John Rogers

  4. #14
    . Blank's Avatar
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    And people wonder why it's hard to stop being poor when it seems like the system is out to get you from the start.
    Ti = 19 [][][][][][][][][][][][][][][][][][][]
    Te = 16[][][][][][][][][][][][][][][][]
    Ne = 16[][][][][][][][][][][][][][][][]
    Fi = 15 [][][][][][][][][][][][][][][]
    Si = 12 [][][][][][][][][][][][]
    Ni = 12 [][][][][][][][][][][][]
    Se = 11[][][][][][][][][][][]
    Fe = 0

    -----------------
    Tiger got to hunt, bird got to fly;
    Man got to sit and wonder why, why, why;
    Tiger got to sleep, bird got to land;
    Man got to tell himself he understand

  5. #15
    Senior Member millerm277's Avatar
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    Maybe my point of view is just a bit different on this, but:

    If you couldn't be bothered to take an extra 20 seconds to hit the "Check Balance" button on the damn ATM before withdrawing the money, it's your own fault and I have absolutely no sympathy for you. (Btw, on ATMs out of network that you have to pay to take out money from, checking balance is STILL free at all the ones I've been to, so that isn't an excuse.). Is the bank screwing you over? Yup. Is it your own damn fault in this situation especially? DEFINITELY.

    Considering the current era of online banking, checking your balance takes 30 seconds. Have enough money in your account for all the stuff you're buying. If you don't, tough luck. I have a little sympathy for those with auto-payments that catch them at the wrong time, but still.

    It might be predatory, but some of the prey sure aren't doing much to try to stop themselves from getting eaten.
    I-95%, S-84%, T-89%, P-84%

  6. #16
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    Quote Originally Posted by millerm277 View Post
    Maybe my point of view is just a bit different on this, but:

    If you couldn't be bothered to take an extra 20 seconds to hit the "Check Balance" button on the damn ATM before withdrawing the money, it's your own fault and I have absolutely no sympathy for you. (Btw, on ATMs out of network that you have to pay to take out money from, checking balance is STILL free at all the ones I've been to, so that isn't an excuse.). Is the bank screwing you over? Yup. Is it your own damn fault in this situation especially? DEFINITELY.

    Considering the current era of online banking, checking your balance takes 30 seconds. Have enough money in your account for all the stuff you're buying. If you don't, tough luck. I have a little sympathy for those with auto-payments that catch them at the wrong time, but still.

    It might be predatory, but some of the prey sure aren't doing much to try to stop themselves from getting eaten.
    well yeah.

    for me it was I deposited my check, but forgot to sign it on the back. so they withheld the check, and then my acct went under, and I got double draft charged on my acct and on my card. then when the check was straightened out, it went towards the double charge balance. and then I was frustrated so I had it reviewed, which took two months. and during that two months, I was double charged again. In the end, I paid it all off, and went to another bank.

    it was during the dot com bust, recession time. i never looked back. its also my right to compare banks and go with the least shadiest one too when it comes to customer hassles. i love my bank right now. you know i stupidly paid 1 dollar to some internet site for a book on "free gov't cash", and they kept on charging my acct one month at a time afterwards. my bank took care of that and erased those charges. im keeping my money there for sure from now on. they even called me once after i made a 1000 dollar purchase, just to make sure my card wasn't stolen. its sweet. screw wells fargo.

  7. #17
    HAHHAHHAH! INTJ123's Avatar
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    screw everything while yer at it. If you don't then soon you guys are gonna be using a chip implanted into your head to buy things.

  8. #18
    Senior Member Lateralus's Avatar
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    "We grow up thinking that beliefs are something to be proud of, but they're really nothing but opinions one refuses to reconsider. Beliefs are easy. The stronger your beliefs are, the less open you are to growth and wisdom, because "strength of belief" is only the intensity with which you resist questioning yourself. As soon as you are proud of a belief, as soon as you think it adds something to who you are, then you've made it a part of your ego."

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