to anyone who works or knows about banks!!!

s2klove04

s2klove04

Spectator
ok so heres the deal guys i really want to get something that i need and so i was wondering...... i have a checking account at wachovia. for me to get what i need i would have to go negative like 4-5grand. (negative balance).

so my question to u guys is the following: is there a limit to how negative you can go on a checking account?

thanx in advance
 
You have a spending limit per day on your card. I do not know if there is a limit on how negative you can go, but at some point the bank will stop accpting charges to the card, and may possibly decline any transactions on there. So evein if it is just one transaction, your bank can decline it if you do not have the funds.

Why don't you try for a personal loan? Credit Card?

or.....


SAVE UP!!!
 
Unless you have an overdraft limit, I highly doubt you will be able to make the purchase to begin with.
 
Its not gonna happen buddy, I think the most they will let you go under if you just have a checking account is about $500 if that. I highly doubt you'll get a personal loan from the bank at a time like this without good credit....try a rich aunt or uncle........
 
I think this is the most retarded thing anyone has ever asked on the history of sfldrifters............. Well maybe not,but we should start a sticky thread with nothing but stupid retardo questions that people ask. :bigthumbu
 
idk ima try it either way cuz last year i was negative like $200 and when i oredered my c-west front bumper for my s2k ($1200) it went through with no problem. thats why i was asking and about the loan ima try but i highly doubt it cuz i dont really have any credit history exept for like always on time payments and stupid stuff like that nothing big...
 
bro dont fuck ur credit up jus to buy car parts.......be serious man....after all this is done and u dont even like drifting anymore then wut???
 
no its not even about that its for something else.... its not something i want it something i need.. yea right i wouldnt be thinnking about doing this if i didnt have to....

thanx for the input guys...
 
dont do it.

wachovia is good about one thing and one thing only, they love collections. they will send you to collections in a heartbeat.

and now that wachovia is owned by Wells Fargo, they are much more unforgiving (trust me Ive had them).

you can try, but i highly doubt they would let you charge that much to your card.
 
lol i would definatley take that loan from you at 14 percent but it would be way more than 30 days before i pay u back. seriouly way more....:(
 
Im super curious to know what you "Need" that is 4-5k that you didnt think to save up for prior.

The transaction will not go through..it will just get declined. Most banks have a 500 dollar overdraft limit. but as long as its just one transacion you should only get one overdraft fee...

but if you cant pay it back within a month they will send you to collections. and that my friend will Royally F**K up your credit.

Best bet is apply for some credit card that is if you have good credit now.and the income to get accepted for 5k which most likely wont happen. Get a Loan.

I vote for you telling us what this is that you need
 
s2klove04 said:
ok so heres the deal guys i really want to get something that i need and so i was wondering...... i have a checking account at wachovia. for me to get what i need i would have to go negative like 4-5grand. (negative balance).

so my question to u guys is the following: is there a limit to how negative you can go on a checking account?

thanx in advance
Click to expand...

Do not.. I repeat do not do this. Unfortunately in this country... your credit score is your future. you cant even get a cell phone through tmobile att verizon etc with bad credit and some companies check your credit before they hire you. What do you absolutely need that cost 5k? is it a necessity or something your found that’s a good deal or something?
 
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