Killer Queen is ready.

"NKato" (NKato)
06/09/2018 at 21:04 • Filed to: Killer Queen

The bank is not. My debit card was declined when I attempted to pay the bill, despite having the funds. It’s because the amount exceeded the maximum daily limit.

So, I have to wait until Monday, visit the bank to get the limit removed, then head back to the service shop to pick her up.

I also asked them to hold onto a piece of rubber from the original differential cover that was most likely used to protect the bolt heads, as it was absent on the new differential.

DISCUSSION (22)

Kiltedpadre > NKato
06/09/2018 at 21:13

Hopefully you can get the limit raised by phone to save you some time. I had to do that when I had work done on my truck.

sony1492 > NKato
06/09/2018 at 21:19

Soon...

NKato > Kiltedpadre
06/09/2018 at 21:28

They don’t have live support available for that on weekends, and trying to raise the limit through IP Relay service is next to impossible. Besides, the shop has closed by now, so I’m going to wait for Monday.

Tristan > NKato
06/09/2018 at 21:59

It’s beyond frustrating when banks won’t let you access your own money.

Dr. Zoidberg - RIP Oppo > NKato
06/09/2018 at 22:03

Cashier’s check instead of a limit bump?

NKato > Dr. Zoidberg - RIP Oppo
06/09/2018 at 22:13

Bank’s closed. I can’t do a cashier’s check because the debit card I’d be charging has a $500 daily limit.

Dr. Zoidberg - RIP Oppo > NKato
06/09/2018 at 22:20

Do you have a cash withdrawal limit from a teller?

I’ve had a debit card that was limited, but I could write checks all day and pull out any amount of cash in person... Fix these limits or get a new bank.

BrianGriffin thinks “reliable” is just a state of mind > NKato
06/09/2018 at 22:45

This has probably been said already, but...why didn’t they take a regular check?

NKato > Dr. Zoidberg - RIP Oppo
06/09/2018 at 22:49

My bank is closed for the day. It was closed for the day when I went to the service shop. I had no way of getting shit fixed until they open again on Monday.

NKato > BrianGriffin thinks “reliable” is just a state of mind
06/09/2018 at 22:50

Mainly because they take time to clear, and service shops have been ripped off by bounced checks (or even forged ones) in the past. I can see why they’d prefer cash or card.

Patrick Nichols > NKato
06/09/2018 at 22:54

The only time I use my debit card is to get cash from the ATM. Credit card rewards and paying off the balance immediately is the way to go. 2% doesn’t sound like a lot but it builds up over time and builds your credit to an extent. If you use it this way, you don’t even have to worry about the interest rates since you’ll never carry a balance.

BrianGriffin thinks “reliable” is just a state of mind > NKato
06/09/2018 at 23:06

No, that’s bullshit. They take the check, verify your ID...if the check is knowingly bad, then they have the full force of your local PD to back them up. The shop only taking certified funds is just a lazy way to do bad business.

NKato > Patrick Nichols
06/09/2018 at 23:11

I am not quite ready to go full monty on a high-cap credit card.

NKato > BrianGriffin thinks “reliable” is just a state of mind
06/09/2018 at 23:12

Sorry that you think that way, but if I were doing business, I wouldn’t be taking checks either. A lot of businesses in this town do not like checks.

Dr. Zoidberg - RIP Oppo > NKato
06/09/2018 at 23:23

Yes I understand that. I mean for the fewwwwchurrrr

DutchieDC2R > NKato
06/09/2018 at 23:28

I had the same thing happen to me in the same situation. I had a 600 euro repair to pay, but had a 500 euro limit on the card. The shop believed me and everything, but I still felt awkwatd for not being able to pay on the spot (it felt/seemed like I didnt have enough money in the account)

NKato > DutchieDC2R
06/09/2018 at 23:53

Yeah, it sucks. At least I have night shifts now, so getting shit done during the day is a lot easier.

Patrick Nichols > NKato
06/10/2018 at 18:04

If it helps swing your decision, most CCs offer greater consumer protection than your bank’s debit card.

NKato > Patrick Nichols
06/10/2018 at 19:31

I recently opened a new credit card, but its limit is $1,000 because it’s for small purchases — gas, food, et cetera. Reason being, I never really found myself needing to spend such large sums like $3,375 (which is the current car repair bill).

So yeah, I’m just gonna go to the bank, withdraw the cash at a teller, and deliver the payment directly.

Jake - Has Bad Luck So You Don't Have To > NKato
06/13/2018 at 08:11

I’m just super pleased there’s someone on this website making worse financial decisions than me. I’m gonna have to change my name.

NKato > Jake - Has Bad Luck So You Don't Have To
06/13/2018 at 15:02

Pardon?

Jake - Has Bad Luck So You Don't Have To > NKato
06/13/2018 at 15:33

Spending $4k for a dealership to install a reman salvage yard axle in the world’s most common beater vehicle is commonly referred to as a bad financial move.

Here’s an analogy: It’s a bit like paying Geek Squad $900 for a $3 Monoprice HDMI cable because they warranty their work of plugging in your PS4. Sure, I guess it’s maybe worth it in the slim chances that something goes wrong with plugging in a cable but even if it fries the PS4 for that money you could easily buy two more whole PS4s with HDMI cables.

I spend money on dumb shit habitually but I’m still baffled.