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If I were the manager, I wouldn't refund your money either - why would he?
I think your best bet is to just pay it off. You can try to shop around for a bank that doesn't allow overdrafts, or charges less, I guess. I generally use my credit card for small purchases and then throw some actual money at it once a week or so, just to make sure this doesn't happen to me. And I keep track of my balance and stuff, you know.
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Vote Quimby!
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