Based on my own experience with Chase, and it’s likely the same with other major banks, getting approved is an uphill battle. It took me six months after being cleared from the credit blacklist before things moved. Yours hasn't even been closed yet, and you're already carrying debt. I had every right to file a request regarding my negative rating, but now the question is whether they'll actually grant it. Honestly? I have my doubts. I hope they come through for you, but realistically, I wouldn't count on it.
At FIFA, I ran the numbers—if it’s under 60%, it doesn’t pass. You need at least 60% to stay intact. Anything else, and you're heading straight downtown to the Federal Reserve.
I don't get how they can advertise one thing and then pull the rug out from under you. It’s like if you transfer funds to them and suddenly face an overdraft fee, but once the money actually moves, everything just disappears into thin air.
urbanpilot said:But we set up the installment plan specifically because the banker advised us to—to avoid exactly this kind of mess. Honestly, it doesn't matter. This bank has plenty of other issues too.
Take their little "one-year loan" deal, for example. You aren't required to make monthly payments; you just have to pay the full amount by the end of the year. Then, if your paycheck hits your account a day late one month, they suddenly decide your "loan" is canceled and demand you come in to renegotiate the entire payout immediately.
Man, that is an absolute disaster. I can't believe it. The way these people operate—just doing whatever they want—is honestly revolting.
Sam Murphy said:I honestly don't get why everyone is fighting so hard over these penalties... if you ask me, I’d be more than happy if they just cut them down or scrapped them entirely 😢
Well, if you're so happy about it, why don't you just eliminate them yourself? It shouldn't be that hard to win some luck.
Can anyone give me some insight here? I’m wondering what my odds are of getting approved for an overdraft if I’ve been with my bank for about a year. My salary is around $4,500 a month, but back when I was ten months in, Chase slapped me with a blacklist entry that stayed on my record much longer than it should have—they won't even talk to me about it anymore. So, in four months, it'll be six months since that flag was cleared, and throughout this entire period, I've had a steady income with my full $4,500 hitting my account every single month. What are my realistic chances? I haven't had any issues with them since starting; no bounced checks, no unauthorized overdrafts, nothing.
My husband’s overdraft limit was slashed because his employer hasn't actually deposited a paycheck in three months. Now the government is wondering how we're even staying afloat. It’s a bit ironic, isn't it? I have a question. My negative balance was cleared about ten months ago—it was a mess involving some legal drama with a local firm in Chicago, but I’d rather not relive that headache. I bank with Bank of America now. Since the account has been clean for six months and I've been at my current job for nearly a year with steady direct deposits, I'm wondering if I'll be eligible for an overdraft line again.
Charles Ramos7 said:Honestly, I don't think you need to call the cops right out of the gate. If I actually bought something and it didn't show up, I'd just hit up the retailer first to see where they sent it.
That’s a sharp observation. Truly. 🙂 I wouldn't have even thought of that myself.
Kimberly Nguyen said:I’m just trying to wrap my head around this... so they determined there was a cash surplus in the drawer that day (is that why you brought up the incident report?) and they had all your info, plus the recipient's details... and yet, absolutely nobody from Bank of America reached out to either of you?
It’s plain rude. If they caught the error, they should have spoken up. Now that we've filed the complaint, what can you even say about people like that?
Honestly, I’m at a loss for how to deal with the people at Chase who completely screwed me over. They kept me on a blacklist for way too long. Even though the court issued an order to clear my account back in February 2009, they dragged their feet. It took me ten months of fighting them tooth and nail just to get that cleared—it was ridiculous enough that even the judge lost patience with them. Now, because of their incompetence, I have a permanent, terrible view of bankers, and there's nothing I can do about it.
The Federal Reserve folks told me I wouldn't even be eligible for an overdraft limit until I'd been with them for at least six months. Meanwhile, they’re out here aggressively pushing credit cards, even though the interest rates are absolutely predatory. They didn't seem to care at all that I was on a blacklist; I made it crystal clear that I wasn't touching anything with those usurious rates.
Oh man, I truly didn't see this coming. I can't even put into words how sorry I am; I didn't even have the honor of knowing them personally, but my heart goes out to them. just stay strong and keep moving forward.
I don't get how they can even offer me a credit card when my negative balance wasn't cleared until the end of October, and apparently, I have to wait at least six months just to get an overdraft line The logic escapes me here. It’s obvious they see more ways to bleed me dry with a card. Honestly, with interest rates this high, nobody in their right mind would touch it. My husband was being charged 5% monthly on a $5,000 limit—so roughly $83 just in interest and fees. Tell me, is that actually considered normal?
I didn't realize the crisis had hit this hard—to the point where they’re slashing credit limits for people who don't even need the extra cushion. I have to admit, though, I saw massive lines forming outside the local Federal Reserve branches today. I wasn't entirely sure what was driving the rush, and honestly, I'm still not quite certain myself. You know things are truly desperate when people start liquidating everything in sight, including their gold, just to take on more debt.
I have to admit, I saw lines stretching out the door at the local Federal Reserve branches last week that were just unbelievable. It’s clear people are facing some serious financial crises right now. What's happening is a total disaster.
I’m wondering if I could get approved for an overdraft. I’ve been receiving my paycheck through them for over six months now, and they finally cleared my name from the blacklist last month. Just so there’s no confusion, I know I’ll be flagged in their system for another three years They just handed me my debit card and security token, but honestly, I felt too awkward to ask about a line of credit. If anyone knows how they handle this, please let me know.
I had the Dreamers play my event; they’re based somewhere near $2667 in Indianapolis. You can find their tracks on YouTube if you want to hear their style. I actually have their contact info if anyone needs it. Also, the Valentino Hall was fantastic—really well laid out—though I wish they’d had some round tables instead. Does anyone around the downtown area near the old courthouse know them? I picked up the flowers from that shop on the street intersecting with the one by the police station—it's on the right side heading toward those high-rises, what you guys call the skyscrapers, haha. I think it was on Glagoljaska or something like that. Anyway, I'm originally from Chicago, but the music is pure Indy.