$12 debit transaction denied now the wife is pissed at me.

[tireredsquare]

I pay a lot of my $$ towards my debt. We use $2k per month for everything including food, gas, toys, clothing, and bills.

 

 

I havent checked the account in a while but last time i checked, there were $96 left in it. I took out 20 euros a few days ago so I knew the balance would be less. My wife got home from her parents house today and went to taco bell to get food. I got a bitching call from her saying the debit card was declined.

 

I am on staff duty so I left the SD deck and went to my office. I checked the account and there were $72 in it. No other transactions and no other pre authorizations.

 

 

I have to talk to the bank tomarrow but what I can go to get my wife off my back? Sure there was not a lot of $$ in the account but I had no control over the debit card. I am switiching back to USAA as soon as i leave Germany. I never had a debit card declined with them even when I went over the limit once.

[KYBOSH]

You can either tell the Mrs to get over it or you have to win her over.

 

Now personally im prone to tell her to get over it but i'd also make sure that it doesnt happen again.

 

Women like security and dont want to be 2nd guessing whether their card is going to go through on those taco bell runs. Hungry and embarrassed is not how you want to find your woman when you speak to her.

 

Some tips... Dont run your bank account on E.

You can pad the balance by $100. So if you have $176 in the bank think of it as if you only have $76 in the bank. This is really helpful if you use quicken and pay your bills along with tracking your spending.

 

Convince her to carry cash instead is using her debit. Research shows that people who use cards tend to spend more freely than peole who pay with cash. Those cards make it easy to forget you are spending $29 here and $84 there. But if you have to physically hand over those bills you REALLY feel it and are less likely to do so.

 

If you HAVE to use a card out of a necessity then get yourselves a low limit credit card ($500-$1k) which you payoff in full every month religously. Debit cards are often problematic because its linked to a account that has many different was money can go out. Fees, ATM withdrawal, checks and transfers all will affect your available balance at any given time without you being aware.

 

If you had a small credit line (could even be a secured card) you solve that problem PLUS you wont spend more than you can payoff in one paycheck.

 

For now (right now) tell her it was a bank error and they are looking into it. Take steps to make sure it wont happen again (like some of the things i described above) and keep that woman happy.

 

Make it home safe and soon and good luck.

[saladdin69]

I don't yell or "mouse" at my SO and I don't allow her to do it to me. I would have hung up on her. When she got home I would have had the screen pulled up showing the balance, explain it was a bank error and not moved until she apologized.

 

I treat adults like adults and kids like kids. I would shut this behavior down immediately.

[road2freedom]

Switch to NFCU and get NavCheck

[poriggity]

First off, I'd have a talk with your wife. She shouldn't be nagging at you like that, unless you constantly do it to her. The money was in the account, so it's not like you are at fault for the card declining. It could have been a number of other issues.. such as her entering in the PIN wrong...

 

Scott

[Jeremy09]

Switch to NFCU and get NavCheck

navCHEK is great. It's something that really helps out when paying bills. I get paid once per month, fiance gets paid twice per month. Most of our bills are organized in such a way that they're all due after the 15th, but some are unable to be changed. With that said, NFCU's overdraft line of credit really helps us from a cash flow perspective. Now, as soon as any incoming money posts to our checking account(s), we pay the navCHEK balance right away.