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The Money Saga - Part 2: Twist

So, I'm looking at my credit card bill. I'm past the limit, with more money due than I'd care to think about. I've got a few days left to pay off the minimum balance, and am hoping more work comes in before I hit that deadline again. It's never fun when that happens.

Three checks arrive in the mail, each for jobs I completely forgot about.

Cool! I think. I can pay off a good chunk this month.

I briefly consider taking some of the money out to buy myself a toy, but decide against it. I'll be good this time.

I bring that up because I think it was a test. And look what I get for passing:

The next day, I receive a mysterious envelope from Washington Mutual.

Odd, I think. I've got all my money at Wells Fargo.

The letter says I've gone through my ten day grace period, and that they're extending the terms of my account for another six months by default.

Huh?

It seems I have a savings account, with $1500 in it.

Umm...
Huh?!


Not one to question fate, I rush down to Washington Mutual to close out this account. They decide to penalize me $21, but I leave with a check in hand.

...So, I'm looking at my credit card bill. But this time, I can pay it off.

Comments

( 4 comments — Leave a comment )
speedball
Nov. 17th, 2000 02:15 pm (UTC)
So, any clue?
Just out of curiousity, did you ask any questions that might tell you where this money came from? When the account was started, how much money it started with, that sort of thing? I mean, I'm not one to turn down free money either, but I'd sure be curious as to the source of it.

Kurt Onstad
Wants a saving account with $1500 in it...
self
Nov. 17th, 2000 03:37 pm (UTC)
No no no! Plugging my ears now.
I don't question this, and I won't have you doing so either. Note the extremely superstitious beliefs on my end.

Now, I don't claim to know a lot about the universe, but you probably just jinxed me there.
speedball
Nov. 17th, 2000 03:51 pm (UTC)
Oops.
Okay. Just pretend I didn't ask...

Kurt Onstad
What were we talking about?
self
Nov. 20th, 2000 05:30 am (UTC)
Jinx!
So, one of the $200 checks I deposited bounced.

Per bank policy, $200 was removed from my checking account to cover this.

Since I deposited that check directly into my credit card, I didn't have $200 in checking. I only had $35.

They took that $35 out of my checking account, and pulled the remaining funds from my credit card. They fined my checking account for activating the overdraft protection, and my credit card for the cash advance.

Mind you, none of this would be necessary, had they simply voided the deposit at it's source. I'd still take a hit for the bounced check (like that's fair), but the rest was avoidable.

End result: I owe my credit card money, and can't pay off the minimum deposit because of it.

I actually found out about this within an hour of our conversation here, but kept forgetting to mention it.

Lesson to be learned? Don't tempt irony.
( 4 comments — Leave a comment )

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