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We’ve all done it at least once – opened up our online banking portal on the Web and spotted an overdraft fee on our statement. Whether it’s $20, $30 or more, an overdraft fee showing up on the online statement is never a welcome sight.
An overdraft is charged anytime you make transactions against your account in an amount that exceeds your current balance. Obviously, in order to pay the merchant or individual to whom you authorized the payment via your debit card Wholesale Jerseys From China , credit card, or personal check, your bank needs to be able to withdraw those funds from your account. When the funds aren’t there, they are not happy.
If you are enrolled in an overdraft protection program – and chances are good that you are – your bank will pay on your behalf the merchant or individual to whom the payment was authorized. This is a bit like their giving you an automatic Wholesale Jerseys China , short-term loan. Of course, their loan fee – the overdraft fee – is quite high. Most large national banks now charge $30 or more for the privilege of their covering your overdraft for a few days.
Having to pay up to one overdraft fee per month might be bearable, but it is quite possible to incur multiple overdraft charges in a single day. That is because banks actually go to the trouble of stacking your transactions. Essentially, this means that they purposefully process the larger transactions before getting to the smaller ones. This decidedly sneaky practice increases the bank’s chances of collecting more overdraft fees from you Wholesale Jerseys , since they effectively use the larger transaction amount to break your account into the red (negative balance) and then allow the other, smaller transactions to be processed along the way.
Don’t blame the bankers: if you were a big banker, you would try to do the same thing. That’s because about 75% of U.S. banks’ account service-related fees annually come from the charging of overdraft fees. Overdraft fees are just under a $30 billion business for banks in the United States. Why would you expect them to walk away from all of that cash?
If you have incurred overdraft fees within the past 30 days or so, here are some tips for how to get overdraft fees taken off:
1. Know your facts. You need to start by digging into the numbers a bit. In order to build a case that you can present to your bank Cheap Soccer Jerseys China , you will need to be able to show them exactly what happened. The most important data to gather from your online or paper statement are: transaction amount and date of the charge(s) that caused the overdraft, as well as any charges that happened at around the same time.
2. Arrange your facts into a story. Make sure you are able to articulately explain to your bank exactly what happened. Make it into a story, inserting the facts where needed.
3. It’s time to call and explain your situation. Make sure to be polite to the customer service person. Remember, unless there was a blatant error on the their part Cheap Soccer Jerseys , the customer service person with whom you speak likely believes you deserve to pay the overdraft fee. You need to present a calm, clear and fact-based case as to why you shouldn’t have to do so.
Gordon is a student and a writer for various financial blogs. He hopes to one day run his own financial services blog
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Frequent Ejaculation During Sleep And Wet Dreams In Males - Any Cure? Health Articles | October 11, 2016
Maha Rasayan capsules are the best herbal remedies to cure frequent ejaculation during sleep and wet dreams problem in men naturally.
Many men experience sexual dysfunction and it is a very common problem these days. Many men who suffer from this health issue are still young and they are not able to satisfy their partners. They start the process of lovemaking, but they are unable to satisfy the desire of their female partner mostly due to erectile dysfunction. The male organ is weak and doesn't have enough strength to enter the organ of female. This is due to frequent ejaculation during sleep that occurs among men. What is the reason for frequent wet dreams? Is there anything for wet dreams cure? Let us see here.