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Direct Loan Decline and Reduction Form Summer Qcc Edu

Direct Loan Decline and Reduction Form Summer Qcc Edu

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Hello and welcome to your money 2.0. I'm Thomas Fox, community outreach director at Cambridge Credit Counseling. At one time or another, you may have had the misfortune of overdrafting your bank account. An overdraft occurs when you make a purchase or ATM transaction, but don't have enough money in your bank account to cover it. For a fee, anywhere between 25 to 35 dollars, your bank will cover the transaction. That’s a pretty high price and one that can be triggered several times a day if you attempt to make multiple transactions with an insufficient balance. In July 2010, the Federal Reserve implementing rules that were supposed to reduce the number and severity of bank overdrafts. However two years later, not much has changed. In fact, things may be getting worse. Overdrafts are big business to banks. In 2002, overdrafts generated 23 billion dollars in revenue. That’s a significant percentage of bank profits. In 2009, overdraft fee revenue hit an all-time high of

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