So, I'm beginning to realize that the only reason you'd need overdraft protection from your bank is so that you're not embarrassed when your card is denied. I don't really care about that. I mean, it's not like the movies where the waiter in a fancy restaurant comes over and cuts up your card in front of you and your new boyfriend. Really.
If I use my debit card and I don't have enough money, deny me and I'll give you a credit card. Half the time the magnetic strip on my card doesn't work anyway. I have gotten so many notices about this from Chase bank I can't even tell you. What a waste of paper. The only reason that want me to have it is so they can make $34 off of me when I obviously don't have it.