ferallynx5 said:Hey there!
So, I used my Delphi card back in the day, but then I lost my job and couldn't keep up with the payments. Now, according to the system, I’m flagged as someone with bad credit.
I have a checking account over at JPMorgan Chase and I was trying to get an overdraft protection limit set up, but they told me no because of my history. The weird thing is, after having the account open for a year, the bank just automatically granted me one. Has anyone else dealt with this kind of nonsense? Is there any way the bank might just bump up my overdraft limit or my installment plan for Money on its own?
Thanks in advance
The whole "silent overdraft" thing... they play games with that...
It wasn't Wall Street, but some other firm:
They slashed his limit from three times his balance down to just once...
So now he's in
🙂
ended up in the hospital... even in the COVID ward...
and things just piled up...
He had never even gone over his limit before...
but those guys decided he should...
Well, they did give him a month's notice about the reduction,
so it kicks in at the start of the year.
Yeah, that's what the news was reporting...
There's no legal definition for a "silent overdraft"...
so customers don't really have any protection...
One day everything is fine, the next day you're hit with a massive overdraft.
And he had absolutely no idea what a "silent overdraft" even meant...
It's like saying "until death do us part" or "for life"...
😁
Whether you're living or dead, who knows.