3. Overdraft fees are bullshit.

Overdraft fees are bullshit.

Oh really? I just opened up a credit card and tried to pay it off in full this month like a "responsible adult", noticed the payment didn't process before the end of the billing cycle, did ALL the footwork that their stupid agents were supposed to do, and they cancelled my card anyway. Why? Well, somehow or another my routing number was wrong, causing the check to return after I'd made 2 payment attempts. Turns out, they can legally close your account for something that simple, which will negatively affect my credit score. I'm short on rent this month now because capital one FINALLY accepted my payment (and STILL before the end of the very first billing cycle, mind you) but now I have to wait and see if they're gonna feel generous enough to turn it back on.

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