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Bank troubles. Fudge. (self inflicted, probably)

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  • Bank troubles. Fudge. (self inflicted, probably)

    (ignore the probably part)

    American Blue Card Bank..../sigh (not Express)

    To start off, I am in Japan. And the only ATMs I can access in the small town is the 7-11 ATM.

    I withdrew about 20,000 yen (around 230 bucks)
    Last time I was in Japan, I was told I would be charged on receipt AND the ATM itself, but this time, both of them had no mention of it. In fact, my receipt says no charge for using the ATM. (And I usually get warned ALL the time, even on Japanese ATMs.)

    3 dollars left. Hurts, but I didn't think anything of it. I was prepared for that.
    Until I wanted to use it for a 99 cent subscription cause my hometown newspaper decided to charge for internet usage too. (good job, asshats. -.-)

    I was told by T, who I share an account with, that I was in the negative. Negative 11 dollars. I check activity. I was charged after all. 5 dollars.

    Shit Shit.
    And since I am on break, away from work...I won't get money to fill in that void...so that negative will climb. I sent an email asking what I should do.
    I wonder if I could freeze it? I mean, 11 dollars isn't bad, but since I'm getting charged 3 dollars daily for the negative...if I waited until January 15th, my return...

    Yeah, the math isn't in my favor.

    There is a bank branch related, but its in tokyo, and I just left tokyo...
    won't be back until next week. Or week after.

    Fudge. I should have been more careful, but it really said no charge for this.

    I did find it odd, but damn.

    This is why I know I am not ready for credit card. LOL
    Last edited by Fudgethatkay; 12-20-2012, 12:42 PM.

  • #2
    Sounds like because its abroad you've been charged as a Cash Advance or an Exchange fee by the bank itself rather than the ATM company. About the only thing I can think of is to somehow pay some money back in but I'm not sure how you can do that.
    I am so SO glad I was not present for this. There would have been an unpleasant duct tape incident. - Joi

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    • #3
      Why can't the money just be transferred? Can T loan you the $11? Or have overdraft protection put in place?

      Comment


      • #4
        Quoth Slayer View Post
        Or have overdraft protection put in place?
        That's the weird thing...there SHOULD be an overdraft protection.
        Everywhere else, if I wanted to use more than I had, or take out more than I had, it was denied, even abroad.

        :/

        Quoth Slayer View Post
        Why can't the money just be transferred? Can T loan you the $11?
        that's not the problem, its just that its hard to a proper place to get money transferred, and its hard to reach a proper place to put in the eleven dollars.

        I sent an email to the bank, so we'll see.
        Last edited by Ree; 12-21-2012, 03:40 AM. Reason: Merging consecutive posts

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        • #5
          And their response?
          Oh, we'll just refund you 5 dollars.
          So now I'm in negative 6.

          None of my other questions were answered. Why wasn't the overdrawn protection in place? What can I do to STOP the negative from climbing? Can I freeze the account or something?

          None of those were answered.

          The five dollar refund did help. Sure...but I need questions answered

          Looks like I have to use the phone card to call them instead in Dad. :<

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          • #6
            Calling is usually best right behind online banking. I must say I'm spoiled with the banking services where I am; something like that would get resolved in less than 10 minutes over the phone.

            I wish you all the luck!! It really sucks that they make it so challenging for you.

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            • #7
              finally got to call them.

              they'll charge me 15 dollars more, after 5 days, but that's it.

              and it won't climb after that/

              so if i can't get my dad to put in the 6 dollars, then i can leave it alone since I'm going back in a month

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              • #8
                I'm glad it won't get worse *cross-fingers*
                Time! Time! Time is what turns kittens into cats.

                Don't teach me a lesson; all I learn is that you are an asshole.

                I wish porn had subtitles.

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