People often talk about the high interest rates of payday loan companies. I read an article in Parade magazine about the high fees of debit cards. You get these fees when you spend more than you have in your bank account. With the holidays approaching it’s easy to come up a little short when you swipe that card.
Listen to this. Many banks provide overdraft protection even if you don’t request it — and charge you for it. It’s common to be charged $39 every time you exceed your limit. So let’s say your bank account goes to zero and you make 5 purchases with your debit card. You will be charged $195. Ouch.
It’s a lot cheaper to get a payday loan to cover you for a week or two. It’s fast and easy and you don’t even have to leave your home. You can apply online and have the money direct deposited into your account within a day.
April 8th, 2011 at 5:44 am
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