I understand returned payment fees for checks, but I’ve never been charged for having a credit card decline.
Stupid of me to sign up for auto-payment when I use my credit card for gas, I guess.
this post was submitted on 15 Apr 2025
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Mildly Infuriating
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Yeah that checks out. I've found out about this in a doubly infuriating scenario.
I was home abroad on a holiday, and they billed me for my regular monthly service. So naturally, i got slapped with the 25$ rejection fee, and then my bank decided to pay the overdraft on the second attempt, resulting in another 45$ in bank fees for that too.
Everything in the US is purposefully designed to fuck you over.
You have to opt in to overdraft protection and fees. Its not designed to fuck you over. You literally signed up for the service and can cancel it at any time.
Edit: Opt-in requirement is specifically only for ATM transactions and one-time debit card transactions. It would not apply to a monthly transaction as described above. Read my post further down for full details.
That is not necessarily true. I opened a savings account recently and their terms were basically "We normally reject transactions that would cause an overdraft but we may choose not to at our sole discretion and if we do pay it you will owe us"
Its true and mandated by law in the US. Before this year, you could file with the CPFB and BBB fairly easily for this type of complaint and get a refund, but who knows if they have teeth anymore.