A Boring Dystopia

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More Americans are financing groceries with buy now, pay later loans — and more are paying those bills late, survey says (www.cnbc.com)

submitted 23 hours ago by [email protected] to c/[email protected]

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[–] [email protected] 2 points 5 hours ago (1 children)

Recurring charges like utility bills are often processed regardless of overdraft protection status - ultimately at the bank’s discretion, and you can be sure they’ll pick the option that gets them the most fees. Overdraft protection only seems to stop you from using your card for a new transaction with insufficient funds.

[–] [email protected] 1 points 8 minutes ago* (last edited 7 minutes ago)

Yeah I meant banks that allow overdraft but charge no fees, Ally for example.

Using a credit card is also a good option, just as long as the budget is managed correctly to avoid running up more and more debt.