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While I do believe in consumer responsibility I'm not against this. I remember in my 20s getting ravaged by back-to-back $35 overdraft fees that would just stack and compound. It's a huge racket that only benefits the banks. Plus it's stupid... if retailers are running your card and putting in an amount and it's going to your bank, your bank knows what's supposed to come out of it on a given day, barring transactions involving tips during the same day that haven't been closed out yet. Why wouldn't it just decline?
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