A Letter from a Fellow Degenerate

Overdraft fees. We all have them; we all hate them. Why do degenerates encounter this problem every month, and more importantly how do we avoid this? Not only are they extremely costly, but very annoying.

With most banks in the shitter during this credit crisis, they have stepped up their over drafting as a means to make ends meet. At 40 dollars a pop, these pesky little fees add up, and add up fast. On an average month, the typical degenerate will over draft his account anywhere from 3-6 times, which means nearly 200 dollars a month in the toilet.

Over draft protection is another scam some banks are tying to pull. They sign you up for a line of credit (with intrest rates upwards of 20%) and make it extremely difficult for young degenerates (like my self) to obtain this credit. I have come up with some possible solutions for this extremely serious issue. Why cant banks just link your checking account to your credit card? I have an answer for that; it would just be too easy. Banks are making a killing on stealing money from their clients and they quite frankly don’t want it to end.