On how a bank can charge you interest on your checking account without you having been not a single day
discovered ....
few days ago to surprise the settlement receipt of interest from a bank account that we use side my wife and I Caixa Galicia: € -2.76 ie negative interest: we owe money to the bank (which we € 6 semester charge management fees). Question: If a single day we have had a negative balance, how we can have a negative interest?
Answer: value dates.
- In a credit transaction (deposit money into your account) of Caixa Galicia, the value date is the next day if the motion is made after 11 am! And what a coincidence, all the payments by transfer from another account to an account of Caixa Galicia are automatically taken just after 11am!
- For debit transactions (withdrawals from your account), provided computing the day they are made, regardless of the time.
-> have made a discovery.
Conclusion: Imagine that you transfer on day 1, as well mileurista you are, € 1,000 from an account of Bancaja your account was Caixa Galicia. As always, you should wait until 2 to withdraw the money but when you do, such as income computed value dated July 3, has been discovered one day at € 1,000! Including interest.
Yes, a theft . And who steals is called thief. € 2.76 multiplied by the number of customers and you have a rough idea of \u200b\u200b booty.
Caixa Galicia, please touch my tits .
PS: Also, could not charge the commission in June maintenance for being the account to 0. So charged in November. But with value date June 17!
Of course, the protest in my office, I said that's the rules and sent me out when I told them I was being robbed. And I remember that was not the first time .
Tags: Caixa Galicia, Thieves, Value Date, Commissions
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