Oh - and as a PS theres some interesting posting going on in my friend Kevin's blog. Bounced check fees....they suck, yes. But the few times I've incurred them I've always thought "Hmm, my fault". But apparently NO. I was really interested to read some of the comments that people wrote. Apparently if I have 5$ and I spend 10$ its the fault of
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Anyway, it just makes me laugh when I think back to when I was a kid (not even a kid, really) and my parents had to write down every single thing they spent, because you know, they had to write checks for it all! Or they'd save their receipts and then have a monthly "balance the checkbook" session. Debit cards have allowed us to get lazy. ;)
Also, we bought a leather jacket last year at Wilson's Leather, and the pending charge dropped off after a few days, and Wilson's didn't actually take the charge out until like 7 days later. Had NOTHING to do with the bank. The banks can't control when the merchant will charge your card. Same thing with backorders, when you buy online -- they don't charge your card until the merchandise is in, so you best keep track of the shit you order because even if it doesn't come in for another 6 weeks, they aren't going to give you a warning before they charge your card!
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And yes! Also don't forget restaurants, they'll automatically authorize 20% onto your charge to take a tip into account but the real amount that you spend comes later..whenever they actually settle their cards.
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