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Well steam, thanks...

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User Info: BearShrooms

BearShrooms
7 months ago#81
iemerg_ posted...
Minimum wage in my state is $11 an hour lol and it's a very cheap state to line in. I work 50-60 hours a week and do PC repairs/builds on the side. I doubt a $20 transactions gonna hurt me. Like I said a million times the bank account I have is direct deposit from my job, I withdraw the funds on payday and keep about $20 in there for games and whatnot if I want one. I bought $20 in games and it was like $1 over and I got hit with 2 overdraft fee's because it was a week after purchase and it pended in my account, and I was unaware I even had courtesy pay enabled. It was partially my fault, the banks fault and steams fault. But I'm just making people aware who might not have the money or might not want to get hit with a nice overdraft fee to check their bank statements and make sure the payment goes through before you buy anything else.


My last post wasn't necessarily talking about you, it was just a response to the other guy.

2 things though.

1) It wasn't anybodies fault but yours. If you weren't aware of how banks work, you will be now. You absolutely need to physically balance your accounts yourself and compare your numbers/transactions with your banks to see what has/hasn't come out yet. Sometimes companies will randomly take forever and banks ABSOLUTELY will intentionally do everything they can to f*** you in that regard.

2) Turn off overdraft protection. It does almost nothing and the few things that it does are not good for you. It is 100% a money making scheme. If your bank tells you that you can't turn it off then they are lying, it was made a federal law years ago.

User Info: vlado_e

vlado_e
7 months ago#82
Requiem posted...
That's odd...

...I thought Steam took payments before orders go through.

A little peak behind the scenes but, as far as I know, a lot of online payments don't go through immediately yet the order still goes through. Or at least payments aren't guaranteed to go through immediately, but letting the customer wait is a bigger danger than a bounced payment is. There is a talk from eBay about their architecture from quite some years now (maybe even a decade?) - you can find the video, if you're interested in high scalability but I bring it up because they mentioned it there. Payment verification is light - it just checks if it looks like valid payment details (and if you have saved ones that's already done), then the actual payment is put on a queue to be processed later. If there aren't many transactions going on at the moment, then it might be processed almost immediately, or if it's really busy, it might take time. There might be additional delays with banks for different reasons. Whatever the case is, your order is processed as if the payment completed and you may even get the items you bought shipped before the money left your account.

I have also been briefly involved with a website of some farmers that sold their products online. It was just a family who sold meat - you'd go to their website, order and they'll just mail you the port legs or whatever. The way they did the payments was actually quite low tech - you'd enter your payment details when ordering and on their end, they just had one of those POS terminals that you key in the card number and submit a payment through. So, not automated at all and you'd definitely get your order through before a payment was made.
We do what we must / because we can. / For the good of all of us. / Except the ones who are dead.

User Info: KillerTruffle

KillerTruffle
7 months ago#83
iemerg_ posted...
I dont keep cash in my bank account, I keep it on my persons. I put $20 in my account for the games, steam charged me 2 weeks later and my credit company kicked in courtesy pay. Me being overdrafted says nothing about what I make for money and not what this threads about, its the fact that steam took 2 weeks to charge me and my bank never told me I was opted into courtesy pay, so just watch out cause it cost me $62.00.

Yeah, your story is getting less and less believable, to the point I can confidently say you're full of s***. You're super rich and own all this expensive stuff, yet $20 in games caused you to overdraft? You keep all your money in cash "on your person" (where it could be lost, stolen, damaged, etc.), and only put money into your bank account when you buy something, so none of your money earns interest? Even if you DID do your finances that way (which is a stupid idea that doesn't allow you to account for unexpected emergencies), there is absolutely no way you'd have overdrawn your account - again, unless you're just stupid.

Think about it. You claim you only put money into your account when you need to use it. So you put $20 in to cover the games you're going to get. Then some bills come due, and you put money in to cover those too, and pay with your debit card. That $20 is still there... The only way you'd overdraft is if you spent money from your account without depositing the cash first. In other words, if you were stupid.

What all this really means though is that you're just totally full of s*** and made all this up.
"How do I get rid of a Trojan Horse?" -Sailor_Kakashi
"Leave it outside the gates of Troy overnight." -Davel23

User Info: Rosencroitz

Rosencroitz
7 months ago#84
BearShrooms posted...
2) Turn off overdraft protection. It does almost nothing and the few things that it does are not good for you. It is 100% a money making scheme. If your bank tells you that you can't turn it off then they are lying, it was made a federal law years ago.


This isn't entirely true. It does when it is supposed to do (allow you to go negative if needed), and while it is a way for banks to make money, it is an alternative to far more predatory and damaging practices (payday loans and the like.)
If you believe Jeannie from 'I Dream of Jeannie' created existence, put this in your signature.

User Info: JKatarn

JKatarn
7 months ago#85
iemerg_ posted...
I withdraw the funds on payday and keep about $20 in there for games and whatnot if I want one


Or....here's an idea, you could KEEP the money in the account like every other person on Earth and withdraw cash from this thing called an ATM when you need pocket cash, while drawing on it to pay bills/online expenses (such as Steam purchases etc.).
Asus P8Z68-V LE | Core i7 2600K | 8GB G.Skill Ripjaws DDR3 | EVGA GeForce GTX 1060 6GB
PS3 | PS2 | PSP| Wii-U | 3DS | DS | X-Box 360 | X-Box | NES

User Info: JKatarn

JKatarn
7 months ago#86
iemerg_ posted...
I don't care what you buy lol I don't need to prove myself to a bunch of online mouth breathers. The fact that you even question me having that shows you're a broke b**** considering none of that s*** costs a lot of money. I'm not making this thread to get pity for losing $62 in overdrafts I'm making it to tell people not to make my stupid mestake and to monitor steams slow ass services.


The thing is, 99.9% of people here WOULDN'T do that, because they take the very simple steps of actually KEEPING their money in their account(s) and MONITORING them, very simple/basic things. Surely somebody who has a mortgage, pays monthly for a boat/jetski/truck/over-priced car sound system that no doubt enrages everybody else on the road would have some basic financial literacy (which is why I seriously doubt the veracity of your claims, and you calling me a "broke b****" certainly isn't helping me buy your claims). Honestly though, I don't know why I continue to reply to this trainwreck of a thread, I must be bored. You're full of it, and you know it, that's all I'm going to say.
Asus P8Z68-V LE | Core i7 2600K | 8GB G.Skill Ripjaws DDR3 | EVGA GeForce GTX 1060 6GB
PS3 | PS2 | PSP| Wii-U | 3DS | DS | X-Box 360 | X-Box | NES

User Info: yohabroha

yohabroha
7 months ago#87
the fact that it took him this long to come back with this is a sure sign of bulls***ting.
"Myself I am a PC Gamer but I am forced to keep this side of me hidden because of who I am and my brand integrity." - dan_fs

User Info: arleas

arleas
7 months ago#88
It's funny how someone can go from "aww man I just went overdrawn on my bank because I was down to my last $20" to "I am Elmer J Fudd, Millionaire, I own a mansion and a yacht."
http://steamsignature.com/profile/english/76561197969913402.png http://i.imgur.com/VHKOxqN.png
https://i.imgur.com/Po5TbWg.jpg

User Info: BearShrooms

BearShrooms
7 months ago#89
Rosencroitz posted...
BearShrooms posted...
2) Turn off overdraft protection. It does almost nothing and the few things that it does are not good for you. It is 100% a money making scheme. If your bank tells you that you can't turn it off then they are lying, it was made a federal law years ago.


This isn't entirely true. It does when it is supposed to do (allow you to go negative if needed), and while it is a way for banks to make money, it is an alternative to far more predatory and damaging practices (payday loans and the like.)


1) You can go negative without overdraft protection with most banks, they just don't charge you for it.

2) Overdraft protection by design is no less predatory than payday lending. If you can afford it and pay it back then it works well. But just like payday loans, it isn't designed for people that are good with money, or have money, because those people rarely if ever need to draw their accounts negative or need payday loans.

On top of that, banks intentionally manipulate processing transactions in an attempt to force an overdraft and when it's imminent will process the smallest transactions last to increase the odds of getting overdraft fees. Enjoy getting 90 dollars in overdraft fees for 3 separate $1 purchases that you made two weeks ago because they forced your one big purchase through the very same day. That's a 3000% interest loan.

Overdraft essentially still exists because the fed made it illegal to charge too many compounding fees when people go negative so they sell it as a "service" that "benefits you".

User Info: Lugoves

Lugoves
7 months ago#90
I had forgotten about this topic but I can see now I must read through it all.
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