|
a) If you use the card as credit vs. debit, it works differently. Keep that in mind.
b) You're best off to pay the fees, preserve your credit score and just write down all your purchases in your check ledger. My wife and I go through about a ledger every two months because we use our check cards so much... but every $1.50 and $2.98 purchase is recorded. We have not overdrafted in ages.
c) As mentioned above, inquire about overdraft protection. Maybe they'll wave at least SOME fees if you sign up for it (you need a savings account with them as well for this to apply)
|