Re: [HOE] OT: Credit Cards: The Big News

["doyle erin west" <westfam@the-i.net>]

se, the bank isn't required to tell you you've gotten an overdraft on a
debit card untill you either reach your overdraft limit, or the end of the
month.  Without overdraft protection, if you don't have the funds IN the
account, it's refused, and you don't get charged for a bounced check (at
both ends, mind you) or for the overdraft.
This is experiance talking.  i had a checking account that had over 500
bucks a month directly withdrawn from it that my mother didn't bother to
tell me was coming out.  Couldn't figure out why i stayed in the hole.
Thanks to her, i've ruined my credit in some stores.
----- Original Message -----
From: "doyle erin west" <westfam@the-i.net>
To: <hoe@gamerz.net>
Sent: Saturday, January 13, 2001 12:36 AM
Subject: Re: [HOE] OT: Credit Cards: The Big News


> That works if you're using a check book.  with a debit card, if you don't
> have enough cash in the bank, it's just refused.  no charges.
> ----- Original Message -----
> From: "Bayushi Arichi" <martin_etc@yahoo.com>
> To: <hoe@gamerz.net>
> Sent: Saturday, January 13, 2001 12:56 AM
> Subject: Re: [HOE] OT: Credit Cards: The Big News
>
>
> > Really? I was told that you should get overdraft protection - so you
don't
> have
> > to deal with the problem of a bounced check (etc), just don't use it
*as*
> > credit.
> >
> > --- doyle erin west <westfam@the-i.net> wrote:
> > > if you do this, make sure to tell them NOT to give you overdraft
> protection.
> > > most debit cards have like 250 bucks protections, and they charge you
an
> > > additional 25 bucks an overdraft.
> > > ----- Original Message -----
> > > From: "Robert Holland" <robert@macauley.com>
> > > To: <hoe@gamerz.net>
> > > Sent: Friday, January 12, 2001 7:34 PM
> > > Subject: Re: [HOE] OT: Credit Cards: The Big News
> > >
> > >
> > > > >> I am all over this. But I don't have a credit card. Will there be
> > > > >> other ways to pay? There are many products I want and would love
to
> > > > >> just help out my.
> > > > >
> > > > >There are now available (in some areas) pre-pay credit cards. You
go
> in,
> > > > >buy a master card with $100 balance on it (for a little more $100)
> and
> > > > >charge until it's out. Then throw the card away (please recycle,
and
> > > don't
> > > > >mix paper and plastics :)
> > > >
> > > > Ask your bank if you can get a debit card. These things are great.
> They're
> > > > basically a credit card that works like a check--anything that takes
a
> > > credit
> > > > card will take a debit card, but the money comes immediately out of
> your
> > > bank
> > > > account, so you can't overdraw and you don't get bills or interest
> > > payments.
> > > > This does mean you have to have the money *now*, not next month, but
> I've
> > > always
> > > > thought that buying things you can't pay for is stupid.
> > > >
> > > > --Robert Holland
> > > >
> > > >
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> >
> > =====
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