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[KIRO 7] Comcast ‘deceptive practices' draws $100M lawsuit from state - Page 3

post #21 of 24
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Quote:
Originally Posted by umeng2002 View Post

Warning: Spoiler! (Click to show)
I don't know if they outright "outlawed" this practice but BoA and a number of other big banks have paid settle class action law-suits over this.

Still, the banking system is sort of a scam.

As I've said in other threads, you can spend you money in a bank account 24/7 almost anywhere in the world... but if you need to make a timely deposit to cover a possible overdraft?.... Sorry, you have deposit cash in a bank branch between 9:30am and 5pm or wait a week for a check to clear.

On top of that, they make checking your balance difficult when authorization holds disappear for a few hours or days... making you think you have more money... and then the final charge is made at some random time.

I'd advise people DON'T use your debit card.
Withdraw cash and use a REAL credit card, which are great as long as you pay off the balance every month... 0% 30-day loan.

QFT

This is great advice. It requires discipline, but is effective. Also.....use a credit union.
Edited by LancerVI - 8/1/16 at 7:28pm
post #22 of 24
Went to a credit union a couple years ago. Been happy ever since.
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post #23 of 24
Quote:
Originally Posted by SpykeZ View Post

Went to a credit union a couple years ago. Been happy ever since.

My credit union does the same thing.
post #24 of 24
Quote:
Originally Posted by whitrzac View Post

Quote:
Originally Posted by SpykeZ View Post

Went to a credit union a couple years ago. Been happy ever since.

My credit union does the same thing.

My credit union will run the charges in the order they receive them so it's a crap shoot as to how many overdraft charges would be generated. However, I opted out of overdraft protection on all three of my accounts. If there insufficient funds to cover a charge, the charge bounces. I maintain a "cushion" balance (a minimum balance) to allow for minor errors in two of my accounts. One is the bill payer account and there is little activity on it with the same amount going as going out over the course of a year. The other one is the account I use for internet purchases and I only put enough in (above the "cushion" I maintain) to cover a purchase at the time I make the purchase.

My third account is my everyday account (gas. groceries, whatever). I have a line of credit set up to cover overdrafts on that account. It's like automatically taking out a loan to cover an overdraft (I very rarely overdraft). I deliberately put a low credit maximum on the line of credit so, if the account gets hacked, the thieves won't get all that much money (which I would get back from the credit union anyway).
     
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