Fan-freaking-tastic

[innerslytherin]

It is REALLY embarrassing to have your sandwich all ordered and ready and get up to the cash register only to have your card declined. Knowing I have plenty of money in my checking account to cover a meal at Subway, I ask him to try again, and it's declined AGAIN. So I left. Didn't have any cash, or I would have been using it. Went to the ATM and it said my balance was $70 but wouldn't give me any money. So I call the bank, and she says that whatever I bought yesterday has a hold on the card instead of just deducting the money. So I'm welcome to drive the sixty miles to my nearest bank branch if I want money, but that's the only way I can get cash right now.

This is the second time in less than a week that I've had trouble with a card, AND that the money has been there. I'm done with this. Stupid fucking cards. I'll go back to carrying all cash.

Comments

[mnemosyne-redux.livejournal.com]

We're cutting down on the number of credit cards we have. We have a couple for emergencies (and because grad students sometimes need to buy food AND books), but we've gotten rid of the unnecessary ones. We did have one for overdraft protection on our bank account, but apparently the bank decided that for each month we didn't use the card, we'd get a $19 "inactivity fee". *jawdrop*

I told that bank to KMA and cancel the account. (Of course, we're thisclose to moving our bank account because of the problems and inefficiency of the bank. Ugh.)

All that to say - I completely sympathize.

[innerslytherin]

Yeah, after the crap with Target taking money out of my checking account on July 13th to cover almost the entire balance due, and then not letting me charge something on July 26th? I'm not using the Target card any more.

So I'm down to one credit card that I use (ie pay the balance every month so I can pay at the pump), plus my debit card. I used to use the debit card for everything because it's real money rather than credit, but I'm done with that. I'll just pay cash.

Incidentally, if it's 5th 3rd that you're banking with, leave them as soon as possible, because they find as many ways to screw you over as they can. Intentionally.

[mnemosyne-redux.livejournal.com]

Heh. Ironically, it is 5/3 I bank with. I've never had a problem with them... until I got married. And now they're screwing EVERYTHING up. Argh. I love the tellers at my usual branch - they remember me and they're very sweet. But yeah. We're pretty much done with 5/3. We're going to pay our first of the month bills, go to his cousin's wedding, and then switch banks (don't want to do it in the middle of lots of stuff going on and needing to use our debit cards).