I have a banking question?Hi, I need some help. Hoping someone with bank knowledge can shed some light on this for me! Ok so I was doing some x-mas shopping earlier online and attempted to place an order for $99.66. I had exactly 101 dollars and some odd change in my bank. I was paying 15 dollars of the order total with a gift card. When I... | |
Depending on the bank, holds are automatically taken off when the funds are either taken out or canceled. Since you are so close to being overdrawn, if the holds don't reverse before the actual money is taken out you may be charges an overdraft fee. If you call your bank and explain the situation they will likely reverse the overdraft charge, if not ask to speak directly to management as holds should not count against your bottom line.
you will probably be overdrawn and get charged another fee. what you should do is, call customer service after the fee is charged. explain what happened. if you have a good record, they could refund the fee. if they say no, ask to speak to the supervisor, if the supervisor says not, ask to talk to the manager. stay very calm, don't be rude, but just insist that you didnt know you would be charged this fee and it's not your fault. this has worked for me in a bunch of situations and usually they get tired of dealing with me and give in lol:)
