Has anyone thought that maybe you shouldn't spend what you don't have. You should actually be grateful that you were able to make the purchases you did without having the money to cover them. That was nice of them to "extend" you that credit, of course with a fee...its called interest in real life. Just as if you would have gone down to a payday loan place for cash! You have paid a % fee.  

With the implementation of Check21 by the government in 2001, "float" no longer exists. That's all thanks to 9-11 when all the flights were grounded and checks needing to be proceeded where grounded. If you go to the grocery store on Saturday morning to buy $40.00 worth of groceries and then go to the bank on Monday morning to make a deposit to cover those groceries, your going to be assessed a fee. Its called "on-line real time". If when you made the purchase you didn't have the money, you owe a fee. Do you think it doesn't cost the banks to process NSF or Overdraft items?? Of course it does. Don't spend what you don't have.