darkmaker94 said:Forcing someone to pay back money works like this: once you land a job, the IRS can basically freeze your accounts and just snatch the payments straight from your paycheck. Until then, that debt is just going to keep snowballing. Plus, it’ll totally tank your credit score if you ever try to get a loan down the road, so don't be reckless. 🙂
The standard interest rate for the overdraft in that package is 9.99% APR.
So, what I'm hearing is if I take out $333 right now and clear it before the end of the year, I won't get hit with any interest? Look, excuse my ignorance here—I’m definitely not an expert in the murky waters of banking... But if I pull $1,000, am I basically looking at owing $1,100 by December? Just trying to wrap my head around it.
So, my bank is pushing this "student package" on me. Since I'm still hitting the books, they’re offering to waive that monthly maintenance fee of $1.75, throw in a debit card, and even let me dip into an overdraft of up to $667. It sounds like a sweet deal on paper, but I can't help but wonder about the fine print. Specifically, if I actually end up in the red, how exactly do they force you to pay them back when most students are basically living on ramen and zero steady income? I’ve been digging through their site, but I can't find a straight answer on whether they charge interest on those overdrafts or if they just toss us a bone for a little while—though, honestly, I highly doubt they're doing me any favors.
Why did I get banned from this forum without any actual explanation? (Tinder)? Also, I’m looking for some extra clarification from Alice regarding the ruling against Eugene C.. This isn't just about my personal feelings; let's run a poll on the forum to see how many people actually find his avatar offensive. If it’s less than a third of the community, then we have a problem, and I’m betting it’ll be even lower than that. Why does he absolutely have to broadcast his sexual orientation by hijacking Christian symbols? That is the crux of the entire issue. It’s nothing more than pure provocation and an insult to those who hold their faith dear. He could use a rainbow circle, a tree, a flower, the ocean, a bird... anything else. But you won't try to pull the wool over my eyes and pretend this isn't a blatant act of hate and provocation.
psI am still waiting for an explanation as to why I was banned!