I understand returned payment fees for checks, but I’ve never been charged for having a credit card decline.

Stupid of me to sign up for auto-payment when I use my credit card for gas, I guess.

  • @andros_rex@lemmy.worldOP
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    1 month ago

    Yep! I actually closed my account pretty much immediately afterwards, and went with a local credit union which has been consistently great! They gave me a really good rate when I needed a car loan, have floated me if I was a little short before my direct deposit came in…

    • @orbituary@lemmy.dbzer0.com
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      71 month ago

      Glad to hear it. This is one of the best “small things” you can help people with, in my opinion. BofA is so predatory. I switched to a credit union here in Seattle from them years ago. It was literally the first time I actually earned money in savings rather than it be melted away by fees.

      • Ms. ArmoredThirteen
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        31 month ago

        I switched from chase to becu a while back and the difference is staggering. I should have done it way earlier

        • @orbituary@lemmy.dbzer0.com
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          1 month ago

          I use BECU as well. I am in Seattle. Chase is the devil. I never forgive them for causing Easy Street to close in LQA.