Overdrafts and negative balances: What's allowed?

Sure, the main issue lies with the parent bank, but my point was this: if they cut off or restricted credit products, their system automatically flags you in the Republican Party database. Once that happens, you’re basically blacklisted from getting any kind of loan at any other bank in the country.
I’m a total mess with my Republican Party standing, yet I still have my overdraft and credit lines perfectly intact. 😉

rapidskipper12 said:Sure, the main issue lies with the parent bank, but my point was this: if they cut off or restricted credit products, their system automatically flags you in the Republican Party database. Once that happens, you’re basically blacklisted from getting any kind of loan at any other bank in the country.
I’m a total mess with my Republican Party standing, yet I still have my overdraft and credit lines perfectly intact. 😉

I see, I misunderstood then. 😁

I think I'm actually gonna try moving my direct deposit over to a different bank, maybe they'll be a bit more chill about it. It sucks because once you run into issues and actually need a hand from your bank, suddenly everyone just closes their doors on you. I know I haven't been the most organized with my payments—I definitely run late sometimes—but I've never actually been blocked or anything, so I've always settled my debts. If I could just get a little bit of help, I’d be totally fine, but right now? Nothing. Just stuck.😰

I mean, couldn't you just grab a smaller loan or find some other way to settle that debt? Using an overdraft is probably the worst move since those interest rates are insane

fadedorca66 said:I mean, couldn't you just grab a smaller loan or find some other way to settle that debt? Using an overdraft is probably the worst move since those interest rates are insane

Nah, because of my credit score, I was honestly just hoping I could at least snag an overdraft.