Check Your Bank Cards

Originally Posted by Avana

oh alla....

my bank did it for me on the spot this weekend w/out a credit check, and w/out doing paperwork. i made a phone call to online banking, and everything was increased on the spot.

a temporary overdraft due to extenuating circumstances is not unusual. and as several of the people have already said in this thread, one phone call to their institution, and their banks have been more than accomodating.

i really am having a hard time understanding how you got your job.

and for the record, i did this on a saturday to boot.

[Carrie]

every time I phone my bank they want to give me a LOC or an overdraft limit.

they never ask me to come in to do any paperwork

Originally Posted by Avana

oh alla....

my bank did it for me on the spot this weekend w/out a credit check, and w/out doing paperwork. i made a phone call to online banking, and everything was increased on the spot.

a temporary overdraft due to extenuating circumstances is not unusual. and as several of the people have already said in this thread, one phone call to their institution, and their banks have been more than accomodating.

i really am having a hard time understanding how you got your job.

i got my job after a complete evaluation, and that in fact, shouldn't really matter to you... i guess your bank operates differently from another... i'm doing really good at it too, i recently got promoted 2 steps higher, in case you're wondering

Originally Posted by Carrie

every time I phone my bank they want to give me a LOC or an overdraft limit.

they never ask me to come in to do any paperwork

that's cool. i totally believe you.

Perhaps your bank may have your recent information and it may be unnecessary to do a credit check again.

But like I said, maybe your bank operates different from what I am familiar with, if that is the case then I apologize.

[Carrie]

what bank do you work for?

when I signed up for my account with TD they offered me overdraft before they even had any information on me.

[bebu*funfun]

a lot of people have pre-approval for overdraft, THEN the rep offers it to you. i dont know.. i dont see the reasoning of having overdraft.