#overdraftfee

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What is overdraft? Overdraft covers the funds that you spent more than what you have in your account. This can often happen at the end of the week, when you made shopping a week ahead and did not notice how you exceeded the funds that you have. Thus, you kind of borrow this missing amount from the bank, but then you have to pay rather big fees for this borrowed money. It turns out that you have an additional loan, because banks do not borrow money just like that, it is their business, they make money from it. However, not everything is so bad for you, because you have the opportunity to refuse an overdraft. Next we look at the options that you have, to cancel the overdraft. The politeness of the city conquers When communicating with bank employees do not give free rein to negative emotions. This will help you find a common language with representatives of the bank and clearly explain the situation to them. They, in turn, are more likely to listen to you and try to help you solve your problem. Just ask to waive the overdraft More often than not, if you simply ask to waive the overdraft payment bank employees will be able to do this. Of course, this may not always be the case, because the bank has certain requirements for the work of its representatives, including the reduction of profit losses. In this regard it is sometimes possible to receive a refusal to abolish the overdraft fee, motivated by some kind of reason. Remain polite with the bank employee and continue to communicate. What to talk about in this case, we will tell further. Remind your history of working with them Banks are interested in customers, as well as any other type of business. If you have a fruitful positive history of working with them, then this will serve you as a powerful additional trump card. Losing a good customer due to the payment of one fee is likely not to be desired for the bank. If in this history there were not exactly good moments, then follow further on our advice. Remind the representative of the bank about the duration of your cooperation There is a concept of customer longevity, which affects the speed and quality of the bank’s return on the rather large investments they invest in the acquisition of each new customer. Fruitful cooperation with banks for several years makes you a good customer who brings them profit, so the bank will be interested in meeting you and not losing such a customer.