Tales Of Xillia

[vhal_x]

I don't have an overdraft though xx

[SwiftDeath]

Still don't understand how bank accounts being overdrawn work in britain

That would either be costly in the US (Overdraft) or just be rejected

[vhal_x]

I'm with Santander and I have no idea how they work. If you have an overdraft, you're charged ?1 per day that you are overdrawn with my type of account I think, but if you don't have an overdraft, then I assume a bigger charge, which is my worry, as I can't afford this preorder, never mind charges xx

EDIT: Also, somehow my bank have NEVER rejected a payment for me, even if I have no money in my account :/ And if they do reject a payment, you get charged for it xx

[Cosmic_Link]

Originally Posted by vhal_x

I don't have an overdraft though xx

Oh... Well that's a different issue altogether! XD

Originally Posted by SwiftDeath

Still don't understand how bank accounts being overdrawn work in britain

That would either be costly in the US (Overdraft) or just be rejected

My bank charges me a 1GBP a day fee for using my overdraft which gets charged monthly. I don't tend to use it often for that reason, but it is nice to have there for when stuff like this comes up.

[SwiftDeath]

Originally Posted by vhal_x

I'm with Santander and I have no idea how they work. If you have an overdraft, you're charged ?1 per day that you are overdrawn with my type of account I think, but if you don't have an overdraft, then I assume a bigger charge, which is my worry, as I can't afford this preorder, never mind charges xx

EDIT: Also, somehow my bank have NEVER rejected a payment for me, even if I have no money in my account :/ And if they do reject a payment, you get charged for it xx

Ahh ok so not exactly desired

In the US my bank has something like 18 USD + 36 USD charges per day of overdraft

That adds up fast

Been meaning to opt out of the overdraft "protection" but they don't make it easy

Brits are so damn lucky with 1 GBP a day

[Cosmic_Link]

Originally Posted by SwiftDeath

Ahh ok so not exactly desired

In the US my bank has something like 18 USD + 36 USD charges per day of overdraft

That adds up fast

Been meaning to opt out of the overdraft "protection" but they don't make it easy

Guys are so damn lucky with 1 GBP a day

Damn, what a con!! 0.0

I thought I was being had.

My bank used to only charge an interest rate and as I only have a 100GBP overdraft, the interest payment on there was incredibly low. Usually only a few pence per month, but a few years ago they started charging on a daily basis.

[comaamen86]

santander cap it at 20 pound a month on agreed overdraft

[SwiftDeath]

Originally Posted by Cosmic_Link

Damn, what a con!! 0.0

I thought I was being had.

My bank used to only charge an interest rate and as I only have a 100GBP overdraft, the interest payment on there was incredibly low. Usually only a few pence per month, but a few years ago they started charging on a daily basis.

Yeah pretty much

Had it go for like 3 days once a couple years ago

Never again

[Raasclark]

Ive been charged too : (

I thought they were charging on despatch? Ive got no bloody money in my bank till payday, quite furious about this.

[vhal_x]

Yeah, they said they'd charge just prior to dispatch, and since release is August 9th, I expected August 1st at the earliest. However, after reading their FAQs, it genuinely does say they'd charge in July prior to dispatch xx