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What you didn’t know is that Alina was in a coma until the drive to the airport. So this guys real bad at identifying miracles.
Hmm, I don’t really know what an overdraft is.
It’s when you charge more to a credit or debit card than is available. The bank allows it and hits you with an extra fee ($25-$35). Banks used to automatically overdraft and ding you but now, since the new regulations affecting banks, you have to opt in to “overdraft protection”. If you don’t have it, they’ll just decline the transaction but you won’t get charged the fee.
I’m thinking (and really, really hoping) that CrassKal was kidding.
This is slightly erroneous. Especially considering how 90% or better of gas station charges work when run as credit.
Gas station charges, most especially pay-at-the-pump charges, typically run your card for an authorization charge of one dollar. This is to prove that your account and card is active. At that time the pump releases and you can pump gas to your heart’s content. Once you complete your purchase the merchant will be required to submit a finalization of the transaction in question which will submit the final total you’ve purchased and post that amount to your account. Since you’ve already received the product, and in accordance with the contracts with Visa/Mastercard/etc, the bank (because they authorized the one dollar charge) is REQUIRED to pay the amount to the gas station. Thus you CAN and WILL overdraft your account. And your bank will charge you the overdraft fee. Regardless of whether or not you have “overdraft protection.” Also, bear in mind that if you attempt a purchase for an amount greater than your available balance and the bank refuses the charge, you may be subject to an insufficient funds fee, which in my experience is equal to their overdraft fee.
Oh and as a (semi-)related tip for those who don’t know- keep in mind that SOME gas stations will run an initial authorization for a high dollar amount (like $100) instead and some restaurants will run your card for 10-20% above the tab initially to anticipate a written in tip. These transactions should always complete and post to your account for the proper dollar figure. Anything above what you authorized is held until then but the funds will be released back to you. So if you see in your online banking the word “Pending” don’t panic.
An overdraft is a miracle.
Indeed.
Honestly, it’s basically like a credit card. My overdraft is good up to $500 incase something goes wrong so my payments don’t bounce. It shows up in your account as a negative number until you pay the bank off. And they charge you fees out the ass. But, handy to have.
Will jeebus be paying your overdraft fee then?
Yes. He has plenty of cash to dole out, because Jesus saves.
You Sir won internetz,a lot of them. Proceed to the cashier to claim your internetz.
I love you.
I love you too, let’s get married. I will empty out my basement for you.
And those 15 free dollars became 40-50 dollars owed.
Where is her god now?
Damn how much does your bank charge you for overdrafts? That 15 bucks would only be $37 total at my bank. (Money owed +fee)
I’m not certain because I have never had an overdraft, but I think my bank charges $30. So to me, Critical’s guess sounds about right.
The typical range, as the above poster said, is between 25 and 35 dollars. That’s not true for all, but it’s the standard range.
at my former bank, the fee was $37. Could be more now; iirc, they were talking about raising it.
Religious people make me lol
CS, B.
Aliens, not God!
When you use a credit or debit card in a gas station – the only thing that happens when you stick your card in the machine is that the machine goes off to your bank and finds out whether:
a) you have money in your account (regardless of how much)
b) the card is valid (not stolen, lost etc.etc.)
They do not check how much money you have, nor do they remove that money from your account after filling up. Then, later – at night normally – a 3rd party company dials up the filling stations credit card machines and debits all the accounts that used the machine that day. This is call ‘settlement’ – and they do it at night in big batches because it’s cheaper to do so.
If you do not have the money in your account – your bank gives it to the gas station regardless and then starts to charge you for this indiscretion. If you check your bank/credit card statements from when you used a gas station – you will see that often, the date the money comes out of your account is not the same day that you made the transaction. Sometimes they don’t ‘settle’ every night, either due to comms issues, or because they forgot (or didn’t put the machine in the correct ‘polling’ status overnight.
Thank you! Now kindly explain to us how magnets work.
PONY RIDE SIGHTING!!!
The magnet erases the stripe on your debit card. That’s how it works.
Magic.
Magic. Got it.
That would depend on where you live; where I live, debit transactions come out of your account immediately, as can be verified if you bank on line and check your balance.
It really doesn’t depend on where you live – it depends on what type of terminal/bank/host service that the gas station uses.
Note, this type of ‘store and forward’ method of transacting is on it’s way out as it’s not longer cost effective (it used to be when all terminals dialed an 800 number for transacting, but this is becoming less and less popular an option) with the cheapness of broadband/dsl connections now being the preferred method of connection for the gas stations and the cost of sending transactions being zero (for the transport, you still have to pay the monthly fees)
No, it really does depend on where you live, because different countries have completely different banking systems and laws. In countries that don’t allow overdrafts, you simply cannot charge more on a debit card than you have in the bank.
Not here, they don’t.
When you use your debit card, it either checks for the amount you select, or it checks for $100 in your account before you can pump. When you’re done, it charges you for the actual amount of gas you pumped.
When you use your credit card, it either puts the amount you select on your temporary transactions, or it puts $100 on your temporary transactions. You’re charged the actual amount you pumped when the transaction clears.
This is without context. In some cases in collect, a day before payday, I would go to the gas station and put gas in when I had way below the money in my account.
Most gas station only authorize 1 dollar to your card when you put it in the station. Then after you fill the gas, since they can’t re-charge you, they don’t put it through the bank until a person prints it out and sends it to the bank (which usually takes 3-5 business days).
So you can put gas in a day before payday and not worry about overdraft.
Typically gas stations will only pre-authorize a debit card for $1 to verify the account is active… If there’s a buck in there, you can fill up with as much gas as you want. The money will typically come through in total 24-72 hours later. So, if you’re going to do this, make it worth your while and get more than $20 in gas; because that $38 overdraft fee is going to kick your bank account in the nuts hard.
That would work for me and my bank. There’s only $1 taken off my card from any transaction at a gas station, and it takes 2 to 3 days for it to go through. I do this often if I know I have money coming in soon, like if I get paid the next day or something. My paycheck gets deposited days before the transaction goes through.
So this is still not a miracle for me, but at least I know what’s going on with my card and my money. I don’t get people who don’t know how their money works and don’t care to learn.
And depending on who you bank with, that overdraft probably cost an additional $35 fee… so you just spent $50 you didn’t have. Great job. Must be a fan of O’ Reilly.
My checking is attached to my savings account with overdraft protection and a line of credit beyond that. You have to keep a certain amount in that savings account, but it’s really worth it. Then again, if you’re that organized with your money, you probably aren’t likely to be getting overdrafts.
Or, as others have pointed out, don’t opt in to overdraft protection and they’ll just deny the sale.
I hope your kidding. That’s the best thing that this economy has going for it.
I would think it more of a miracle if she’d put a $5 starbucks card in and managed to get $20 in gas and somehow still had $5 on the card to spend at starbucks.
Amerıcans and their credit cards…lol
Wait…
According to the Police in Plymouth Falls: Yes, very much yes.
Hare Hare Hare
Sometimes I walk into stores without any money, grab items off the shelf then walk back out the front. I can’t believe stuff is always free when I need it. It must be miracles from God!
^this
If there’s one thing that banks are not, it’s favoured by God.
“What is this charge for $50?! Better convert to Buddhism!”
Overdraft protection: yet another example of religitards overactive imaginations
Also, and sorry for the double post, how the hell was she expecting to pay in the first place?
Praise God, for he will provide gas.
Did anyone else notice that she bought the gas ON THE WAY BACK? Shouldn’t she have been on a plane by that time….?
OH MY GOD!!! jeez, just read. she just went to the gas station. she probably wasn’t on a plane by that time because she arrived early? could that be a possible explanation?
The other person was getting on the plane, NOT her. He just went to a gas station (Seeing as they were probably early for the flight) to help her get gas.
It says that “Alina” brought “me” to the airport; implying OP was the one going to the airport.
“as she was leaving” strongly implies that Alina was leaving OP at the airport.
Yeah…are we just re-stating what was all ready said today? I said she wasn’t the one getting on the plane…
That’s not what I noticed.
“so i went to the gas station with them”
“gas station with them”
“with them”
“them”
WTF? There’s a third person? And that person also has no cash or credit?
It takes two deadbeats to drop someone off at an airport?
(Then again, maybe Alina just brought her kid along because she couldn’t afford a babysitter either.)
Hope it was an arranged miracle, because God will be charging her for it otherwise
You call that a miracle? Broccoli has 12 essential vitamins and minerals, lovingly packed into these tiny green trees. Now THAT’S a miracle. Shame on you. SHAME.