Articles like this,'Banks' 'courtesy' loans at soaring rates irk consumers' USAToday.com, drive me banana sandwiches...
The article should have been 11 words 'Don't spend more money than you have in your checking account.'
98% of the time accounts are overdrawn because more money was spent than was left in the account. There is nobody to blame but yourself. A bad mortgage broker cannot be blamed for this one.
'But they should stop me if I am buying something and I am going to go over.' No, you should know what is left in your account. I came home from my freshman year of college with 7 cents in my checking account. I don't even write down what I buy and was able to estimate well enough to not go over. If I can do it, anyone can.
*stepping down from my soapbox*
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