refugeefrompistons

But rent is constant thing. If it bounces once, your landlord isn't gonna go crazy on you. He will know it is an honest mistake but still charge you a small fee. Nothing crazy like what's happening to this guy.

White_Shadows

Money order that stuff (rent). I HATE when people write checks. No one in this country is good enough with money and numbers to be able to write checks.
I also hate cash with a passion! It is the grossest substance I deal with at work. I think money should be banned.
Plastic and plastic only. OR if theft is such an issue. We should all have barcodes tatooed on us linking us to our money haha. OR OR OR fingerprint technology needs to get better maybe. Something, but till then plastic darnit use plastic. (Doesn't even have to be a credit card use a debit card) I have two credit unions just to make sure that if one plastic doesn't work I can use the other. As easy as that. If you find something that only cash can be used or a check you probably shouldn't be buying it.
Push plastic!

White_Shadows

Oh and yeah, sucks, pay up and switch to plastic

Davey's RX-8

iTrader: (1)

No kidding. Up until recently I made three monthly payments with check:

1) Rent because the website of the landlord couldn't get the user registration right and until recently charged a fee to process the online payment.
2) Car loan because the lender bank doesn't have online registration for loans.
3) A line of credit which until recently charged $10 to process an online payment until they closed all of their retail outlets.

Davey's RX-8

iTrader: (1)

Really now? My lease stipulates that if I bounce a check (for whatever reason including the banks fault which actually happened to me) I not only have a $75 additional fee, by the time it works itself out I owe an additional late fee of $50 and the ENTIRE amount has to now be paid with certified funds.

exsequor

iTrader: (1)

That mind set is straight up scary! Cash is freedom. Plastic gives the government even more control in our lives. F that! Can't believe people think like you!

Razz1

Plus all you do is go into debt and make the banks rich.

Plastic is death!

You said people can't do numbers so don't use checks.

What do you think happens when theyy can't do numbvers and use plastic?

Pay more! And go into debt!

Unless you balance is zero every month they charge you intrest.

Check or cash is the way to go.

White_Shadows

Debit card won't allow you to over draw. I didn't say credit cards I'm saying debit cards.
Also if you are so worried about the government "watching you" re-evaluate your life. Government can watch me all day long I don't give a rip. If you care so much, what are you a terrorist? Stop fearing it. I doubt you are anything big enough for the government to put survailence on you haha. What you think anarchy is the way to go....?
People can write checks and they aren't cashed (or funds checked on) until **** like this happens.
Oh and sorry dude, but a whole bunch more can be tracked from you writing a check over swiping a card. Lets see I have your bank account number, your routing number, your address, your full name, most places write down your licences number....

Just my oppinion. You don't have to agree with it. Just food for thought. You are talking about all this **** happening to you. I'm giving you a solution.

ken-x8

They can. They can be set to not, but the default is that they let you overdraw. There have been news stories lately about people with debit cards who overdraw on a bunch of small transactions - like their Starbucks fix - and the bank doesn't say squat until the statement arrives a month later with hundreds of dollars of overdraft charges.

Question. If all you use is credit cards, how do you pay the credit card bill?

Ken

Symbioticgenius

Antiquated methods are antiquated for a reason.

Razz1

With a credit card of course!

This is the 21st Century!


I have a low intrest loan for you based upon prime, you can buy what ever you want., sign here.

To be named later

First off.....why did it take 8 months for you to be notified that the check bounced?

Did your bank not send you an overdraft notice immediatly after the check bounced?

Did you not see the bounced check when you performed the outdated 1980's function of balancing your checkbook, when they sent you their next statement?

Are you saying there has been ZERO correspondence from the dealership with "please make restitution or this matter will be forwarded to the DA" type notices, which probably started a month or two after the check bounced?

Odds are, MANY attempts have been made to inform you of your error. Did you just not get them......or did you ignore them?

Just go to the dealership and say "woah, my bad, I never knew, I was never notified, it wasn't intentional, y'all didn't contact me, if I knew it bounced I would have taken care of it immediatly. Here is the cash. Do you have a bounced check fee? Here is cash for that too. Now please call the DA and call off the dogs, it was an innocent mistake."

Odds are they will take the cash and cancel the legal stuff. If they refuse the cash you can tell the DA you offered to make restitution and they refused.

exsequor

iTrader: (1)

ya I just paid the check and the bouncing fees to the D.A. I already talked to my lawyer who just said go ahead and ignore the $175 for the class. I guess if they really wanted to be gay they could force me to pay $175 and go to the class.

White_Shadows

So set them? None of my banks or credit unions allow me to overdraft, it says "insufficent funds" if you try to use money that isn't there. Stop banking with massive banks that don't give a rip about customers.

Again not credit cards so you shouldn't have credit card bills.....Its a debit card, the money is coming out of your account. Now and days pretty much every paycheck company does direct deposit. If you have a job that doesn't tell them to use quick books and direct deposit your paycheck lol.

I live by the plastic rule so trust me...it works haha. I cannot even remember the last time I delt with cash. I've never been late on a payment or overdrafted.

White_Shadows

Oh oh oh and if you have credit cards. Keep them with your bank/credit union then you can just transfer the money directly from your account to your credit card. Tada

ferg

i got a DWI for a joint and i went to jail and lost everything that i owned, 8 years ago

Razz1

Damn! does that work on the wife?

ken-x8

Debit cards are generally tied to a checking account. Most banks have an "overdraft protection" feature where if you write a check (or do a debit transaction) for more than is in the account they front you the money. Usually for an outrageous fee.

You're fortunate to deal with banks that have not latched onto that scam.

The only time I overdrew a check was 35 years ago when things got out of synch up after a cross country move. A bank fee dropped my balance slightly below a rent check. Fortunately, that was before banks discovered the gold mine to be had from that kind of thing. All it cost me was an apolgy to the landlord and writing a new check.

Ken

Zerotide

iTrader: (1)

I bank with Wells Fargo and I opened my account before the government passed a law saying that the bank had to tell you when you got your card that instead of saying "Card Declined" they could just charge you whatever they wanted...

Get this... overdrew a dollar... got blasted with a $35 dollar overdraft fee. I did some research... marched in there and had them remove my "overdraft protection." Now if I'm ever stupid to overdraw again it will just say "Declined" or something. Embarassing, but better than a $35 fee.

White_Shadows

I never think it's embarrasing. Card says decline on me all the time because on my motorcycle I cover too much ground too quickly. (3 states in a day and they shut the card down haha) but had the back up card.
Also if it says decline just say opps used that card too many times today and hand them the other.
As for the nice "banks" I don't do banks. Banks get away with charging you money to hold onto your money....wtf is that ****?
I have credit unions for everything. Credit unions are the best hands down. When I purchased my rx-8 the dealership said 8.9% I did it just because I was trying to get rid of my Ducati (only dealership that would take a motorcycle for a car) my credit union called me the next day and was like
"Just making sure I have all the paperwork submit correct" I was like ok. Seems like high interest for my score though. "Oh let me take a look" (lowest interest at the time any bank for used was 5.9%) "Oh I ran your credit that interest is way way to high I'll correct it at 3.9%" Oh cool thanks.
It's all about credit unions. Banks are a joke. Only reason to have a bank account is for massive loans i.e. Student loans and business loans as credit unions are limited in those areas. Stafford loans and Sally Mae are not extended to credit unions.
Also I have no yearly fee AND gain interest on my checking as well as savings accounts.....Do the math.

Rems31

If you're not responsible enough to control your spending with a credit card, you shouldn't own one. Plus you get rewards like cashback or travel miles when you use a credit card...for that reason I try to use Credit cards to pay for everything. Might as well get something for something you're already gonna buy.

exsequor

iTrader: (1)

that sucks man. we have good laws for that sort of stuff in this state.

I have a bad feeling that our world is being taken over by groups like bilderberg. So, from my perspective, giving up cash as a form of money just gives them that much power over us. Scary stuff I'll tell you.

White_Shadows

WooOoO a conference founded soooo long ago to premote awareness about anti american bullshit from europe.
Put the hash down and stop thinking everything is a conspiracy.
You afraid of the United Nations too?
I assume you think that Paul Hewson is taking over the world too right? Haha

White_Shadows

Sorry not trying to be mean I just hate how news these days portrays horrible things that aren't even there. Look at this "swine flu" b.s. I got a letter from my school saying the symptoms and awareness omg.....No one here has died from it (every reported case was regular flu strands) AND the "two people that died" in LA....like one of the persons got shot in a drive by...like really...wtf.
Good more economy destroying bulldroppings. Don't eat pig everyone!

exsequor

iTrader: (1)

dont group me with those wackos lol..

i just think that somethings up with the direction the world is going and having "one nation". I don't like it.