I like banking with Chase. They offer me a lot of things. I have a very low interest credit card. Their point reward system is actually useful. Their ATM machines kick ass (new check/cash deposit feature? Brilliant.). But every once and a while they really rub my taint the wrong way.
I really only use the credit card to float purchases from paycheck to paycheck. It's almost always zeroed out at the end of the month. A few days ago I bought a new camera which is primarily going to be paid for by the sale of my other camera. Went on the CC. Two days ago, I bought a new phone as my old one broke. This was an unexpected expense that I hadn't planned on making until next month, but i couldn't be without a phone. On the CC.
This was an oversight on my part, my math was wrong as it was $10 over my credit limit. I have another card that I should have used as the limit on that card is much higher. As a result, the interest rate is too, so I rarely use it.
So, instead of Chase denying the purchase, they let it run through. Then they charge me $40 for going over my limit. What happened to denying credit cards? Am I missing something?
I'll pay the $40 because I ****ed up, but seriously...wtf man?