I have been living off my credit card because my checking account balance has literally been $0.28 since paying my rent on May the 4th (I was late). I got paid a whopping $150 today, but was really excited to finally submit my ASU graduate school application. It costs $80 (for me, $65 for citizens, completely unnecessary), and their website does not accept American Express, so I had really been putting it off. So I go to submit, but get one of those great Java Script errors, and have to go back and do it again. Little did I know, it had gone through the first time, and I had now submitted my application and paid the $80 fee twice. I immediately check my bank account and it's overdrawn. UGH. I call ASU, and tell them my situation, hoping that they can just cancel one of the submissions. The guy says, "Are you sure you got charged twice? I mean, the charge takes a couple a days to post to any bank account.." "Yes, I'm looking at it and I'm overdrawn" "Well, how about you wait until it posts to your account and then fax us a copy of your bank statement and we'll credit the charge" "But it has posted to my account, can I fax it right now?" "How about you wait until Monday?" At this point I'm crying because I hate money and today was a horrible day well before this even happened. I call my bank, and after waiting on hold for 20 minutes, ask the associate if they can cancel the charge. She tells me that I will have to wait overnight, file a claim, sign an affidavit (!!!) that they will send to me, send it back, and then wait for them to credit my account. Oh my god. I tell her nevermind, I'll deal with ASU. Before I hang up I ask if I'm going to get an overdraft fee and she just says "Yeah".
So much for feeling rich ($80-rich) for at least the weekend. Now I am overdrawn - something that I had always been so good at avoiding!!