Wally World- Credit Report

Hello to all. This Wally World is going to be a lil different from the last ones I've did. This time I want to give out some tips on how to avoid financial difficulty when it comes to dealing with checking accounts. Recently I had a friend who woke me up outta my sleep( I was hella pissed) crying about her account being in the negative outta no where. I asked her had she used her debit card, wrote a check, or bought anything on the Internet. She told me that all she uses her check for is to pay her bills over the phone. I REPLIED- "THAT'S IT!!!!!!!!!!!" When u have certain money taken outta your account by a debit card, you have given that person or company, access to your account. They can debit money out whenever it is convenient for them.
So I picked her up and took her to the bank and she told them that the money wasn’t suppose to be taken out until a certain date. The bank explain that they can do nothing since the transaction already went through. She was totally hysterical so I wrote her a check to bring her account out of the negative. I took her back home and begin to realize that a lot of people( especially young people) make mistakes with banks. What people fail to realize is that the bank is a business that is trying to make money. They will charge you a negative balance charge QUICK AS HELL. Many banks claim that they will charge you after one day of your account being in the negative, but here is what they don’t tell you. They don’t tell you that your negative fee charge depends on how often your account goes in the negative. I have a checking account at the same bank as a friend and his account stay in the negative and mine does not. The bank will waits a whole day to charge him a negative fee because they make money off him all the time. If I write a check that’s no good or use my card and overdraft, they are going to charge me a soon as it happens or they wait a while then charge me outta the blue once I think I didn't get charged. What I’m trying to get at is, the bank is gonna find a way to make money off yo ass one way or another. Look at it like this, if you put something like your furniture in somebody house to sit, eventually they gonna want you to pay them for it being there. They bank feels the same way about your money. I know someone who is reading this has either called or went to the bank only to find out your account is in the negative. That’s the worst feeling in the world. have you ever wonder how does a place make money that only holds money??? If you could make money by holding it then I would be rich cause Id open a bank. Here are 6 ways to protect your money in ANY bank.

1. Use only a debit card. They want you to fuck up wit a check. That’s why they take the money out at different times.
2. Don’t put your debit card number online unless its used on a MAJOR retailer's website. A lot of scams get card number from Pay Pal so watch that
3. Check your account daily a watch EVERY penny. (check in the mourning and before you go to bed)
4. Don’t keep all your money at one bank, have multiple checking accounts at different banks.
5. Enroll in Overdraft Protection Programs as soon as you open your account.
6. Pay your bills in cash if possible

And here is a word to the wise- DON'T curse the bank out or the people who took the money out your account because they will keep doin it. You cursing them out ain't gon get your money back and you will feel even dumber when they CALMLY tell yo ass " THERE IS NOTHING WE CAN DO ABOUT IT"