Bank: Right, here's your two accounts. Me: Two? I just need one. Bank: Only package deals, I'm afraid. Me: Fine then. Bank: Mh, you have debt now. Me: What?! How? Bank: Well y'know, New Year. Me: ??? Bank: So, you know that account you never use because it has bad interest rates?
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Bank: We still charge you for it, obviously. And we just do that on New Year. Me: But there's an account with money right there, can't you just take from that? Bank: Computer says nooo... Me: Ffs, how much? Bank: 5 bucks. Me: Not worth a dispute, just pay from the other account.
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Bank: Right, payment in 2020 for a debt from 2019... that'll be a fee of another 10 bucks then. Me: I'm done with your shit. Transfer 30 bucks to be safe. *Forward to June* Bank: Greetings, you have debt once more. Me: My extra 20 bucks? Bank: Negative interest rates, I guess?
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Me: That still doesn't bring me *below* zero. Bank: No, but the fee for the credit card does. Me: You never gave me a credit card. Bank: No we didn't, but you'd be entitled to one. Me: Lemme guess, it only draws from the bad interest account? Bank: Oh yeah, of course.
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