How many hidden fees does your bank have?

[dracom_ma]

Ive heard that Chase's system is designed to rearrange your purchases according to the amount. The result is that if you overdraft they will rearrange it to make it to where the smallest purchases were made last so that way they can charge the overdraft fee for each smaller transaction. Its horrible.

I can confirm that Wachovia does this as well.

They did it to me a while back. Out of 3 charges, I was off by only 2 dollars on only one of the charges. I ended up paying $110 in service charges. Even though I had more then enough funds for two of the charges, they totaled all three charges to put me overdraft and then charged me the first $35. This then caused the other two charges to become overdraft and they charged me another $70 in overdraft charges.

If they would have taken the money out to cover the first two charges, which were charged the day before the third charge, then I would have never had to pay that extra $70.

I now bank with USAA. Which is far more customer friendly.

[FoodStampz]

What i recently encountered with a bank (i use a credit union) is my bank was closed for something idk what but i went to cash my paycheck at the bank my employer used and they charged me $5 to do it because I didn't have an account there!!!

That's some bull*%(!!!!!

Btw, that was wells fargo and they can eat a fat *$(%

[RainWind]

I have a CC at 31.99%, I cancelled it a while back because of it and I let them know exactly why, I remember being at a 12.99% and without warning nor letter it jumped to 31.99%

They are a bunch of thieves

That's what Chase jacked my rate up to. I had a 2k balance at the time because of school books, and all sorts of various crap that was going on. Pissed me off royally. So now that's the first card to get the axe. I had it down to $500 before I got hit with taxes.

Capital one did the same as well, but that card is currently zero'd out. The only card I have left with a fair rate is my citi card.

I never pay for anything with my debit card. I pay for everything with my CC's and then I pay my CC's with my bank account. Far easier to keep from going overdrawn that way. Also makes it easier to see what's really going on with my bank account.

[ricanpimp]

I have a CC at 31.99%, I cancelled it a while back because of it and I let them know exactly why, I remember being at a 12.99% and without warning nor letter it jumped to 31.99%

They are a bunch of thieves

That's what Chase jacked my rate up to. I had a 2k balance at the time because of school books, and all sorts of various crap that was going on. Pissed me off royally. So now that's the first card to get the axe. I had it down to $500 before I got hit with taxes.

Capital one did the same as well, but that card is currently zero'd out. The only card I have left with a fair rate is my citi card.

I never pay for anything with my debit card. I pay for everything with my CC's and then I pay my CC's with my bank account. Far easier to keep from going overdrawn that way. Also makes it easier to see what's really going on with my bank account.

31%? Jesus Christ! I have a now Chase card (was WaMu) that I don't use, and I a letter saying that it would go up from 16.74% to 20.00%. I don't use it anyways, so I was like whatever, cancel it. My BoA card is at 9.24%, and its gone nothing but down in the last year and a half. I guess I know which bank I'll be staying with.

[FoodStampz]

My capital one card also sky rocketed. From 14% to 31%... ive never been late once. I told them to stuff it.