I work for a credit union & make no excuse for kicking someone when down! But come on! There are errors on the banks & publics side but Im talking about the regular everyday stuff. People who overdraft 10-15X/month, live off the o/d loans, use other ATMs 2X/day & get fee of $4 to get $20!
And I know that $30 is a high fee for o/d by $2. But it is called a penalty for a reason! It is to discourage the use of. Do you think it really costs a city $30 b/c you didnt put a dime in the meter? No, its to teach a lesson for next time to be careful. Just like credit cards, folks complain about late & over limit & still charge any way!
Additional Details
20 hours ago
I brought this topic up because I was reading an article on MSNBC about fees charged for small purchases.
Why blame the bank b/c you dont keep track of spending? Or just dont care? What about personal accountability? I am as much a consumer advocate as the next guy, but are we not to share in the blame for this? If we stopped making it so profitable for banks because we dont write down we went to the store, there would be no fees!
Again, I know that we all make mistakes, I have done it myself. Cant we accept our mistakes as that & move on? Why must the blame go to the deep pockets because we cant add & subtract?
By: ricks
and i was referred by someone who waits on me most of the time that i come in, the bank manager of this location also knows who i am, csue i come in about once a week or once every other week, THe lady who refered me says that she was going to put in a good word for me and that they were hiring.
they have four locations, and they aren’t four tiny branches either, decent to medium sized.
DO you think that they will call me?
or you think i ought to look elswhere.
By: the d
I have never paid bills, and I literally have absolutely no credit. I am not currently attending school, but I should be enrolled in a community college by May 6th, 2009.
If possible I’d like to apply and have a credit card before them.
I know it’s a little crazy to apply for a credit card, under the circumstances. However, I do make a small allowance at home; approximately $200-300.00 a month, but that income varies depending on the amount of chores and tasks that are available for me to complete at home.
I am a dependent still, even though I’m “technically” and adult. My grandfather/guardian makes about 140,000.00 a year, has great credit, and has never had late fees or anything like that. But he won’t help me due to past experiences.
I don’t know if this will play into my application but when I was a juvenile (about 13-17) I racked up multiple charges; being that I was under 18 I was never “convicted” but I was “declared deliquent”. My “probation officer” informed me that on applications I do not have to say “yes” to my being “charged or convicted”. My most recent charge was when I was 17, on February 28th, 2008; my charges were Forgery, Check Fraud, Grand Theft, VOP’s, the charges directly before that were 2 counts of Credit Card Fraud, 2 counts of Grand Theft, among other minimal charges.
I unfortunatly still owe restitution to a check cashing business in the amount of 7,200.00. Which is my point in finding a job.
Please don’t judge my past, I mean I do want honest opinions; but I was sentenced to a year in a juvenile facility where my life truly changed. I am no longer the person I was.
I would like to apply for a standard credit card. I would appreciate all the information you can provide about my specific case.
What credit card can I or should I apply for?
And if you could include some info about credit cards, etc. I would appreciate it being that I’m not to familiar with them.
Thank you so much for all you help
Olivia K. Brooks
By: Livie livie
