Banking help!!!!!!! OMG?ok heres the deal..i'm a ebay user and i have no money in my bank account (bank of america) and my paypal primary credit card is connected to that empty account and i didn't know...so i purchased something from ebay worth $200...stupid!! grrhhh!! so then i saw my account and its -$235 w/ the $35 overdue... |
The only option you have at this time is to take a cash advance on your credit card (get money off it from the atm) and put that in your Bank Of America acct. to cover the negative balance. The bank might work with you and "Feel your pain" and possibly waive the over draft fee or reduce it.
Next time you buy something on EBay and don't have enough funds in your bank acct. you can always add another acct to your pay pay acct.
Good Luck,
Cody J. Coleman
Credit Manager - CCS Collection Services
you are going to have pay the bank back yourself
you could pay the debut with another credit card (cash advance)
but then that leaves you in deeper hole sine then you still
need to pay the credit card company the bill plus interest on the cash advance
best way to get the cash as soon as possible
else the bank could close your account and report you to chex system
and you will be unable to open another bank account for up to 5 years
unfortunately, you are screwed, they dont' give a crap if it was an accident or not. That's how all banks make part of their money. it happend to me 3 times in a row, and trust me all they accepted from me was cash $$$! Sorry but you must deposit the cash right away or you will end up with more added fees. Good Luck!!
i'd try to stay away from using the credit card if you can...a cash advance usually has a higher interest rate than regular purchasing and thre's also a fee with the cash advance
