Today, I went to my university bookstore and tried to use my debit card to pay, but got the "Insufficient Funds" notification. I was buying a single postage stamp, which costs 57 cents. FML
I agree, your life sucks (14764) - you totally deserved it (5762)
On 10/30/2009 at 4:32pm - money - by poorcollegestudent (woman) - Canada (Alberta)
One time when I was 16, I wrote a check and got charged 30 dollars by the bank for overdrawing my account. What was the magical purchase? A soda... for $1.05.
Life lesson learned: learn to balance your account! So you'll have money to spend, even for silly things like stamps, sodas, or whatever.
#1 - On 10/30/2009 at 8:00pm by NorfolkDude
why the hell do you pay for a soda with a check?
and why fuck did you try to pay for a postage stamp with a debit card?
#6 - On 10/30/2009 at 8:20pm by Duckasaurus
hey, at least you didn't get an overdraft fee for $30. The new york times did an article about overdraft fees earlier (this is not spam, this is information)
http://www.nytimes.com/2009/09/09/your-money/credit-and-debit-cards/09debit.html
#15 - On 10/30/2009 at 9:32pm by bugmenotmofo
@1 and so you should have for being a pain in the ass. you and this asshole both deserve it.
#28 - On 10/30/2009 at 11:35pm by organisedchaos
TBF you deserve what you get for trying to use your card for 57 cents. Next time, go to the ATM and take some cash out - and check your balance at the same time. Its because of people like you that I end up queueing 10 minutes longer than necessary in the supermarket when I'm on lunch. There is no excuse for even considering paying for something under $10 on card.
You used a debit card to buy one stamp!? I'm surprised they'd even consider accepting it.
#4 - On 10/30/2009 at 8:13pm by cthulhu1138
It's your own fault, you need to keep on top of checking your account online.
#5 - On 10/30/2009 at 8:19pm by Inked2009
if you are irresponsible and weren't paying attention to how much money you had in your account ... YDI.
if you balance your account regularly and knew you had $1,000, and this post is about how you discovered someone had stolen your identity and charged shit to your card ... FYL.
need more info, OP!
#9 - On 10/30/2009 at 8:26pm by dancingyrlie
why would you even try buying that with your debit? even homeless people carry around a little more than that in change. maybe you should start pan handling.
#10 - On 10/30/2009 at 8:31pm by alexandriababyy
you deserve the shit outta that.... 57 cents is chump change! go round up some spare change instead of buying that on debit
#11 - On 10/30/2009 at 8:53pm by notsponsored3043
you fail at balancing your checking account, YDI... bigtime
#13 - On 10/30/2009 at 9:17pm by Reefer_Madness
HAHHAHA YOU DESERVE IT! Come back when you can afford it!
#14 - On 10/30/2009 at 9:19pm by noshitsherlock
I know how to balance my checkbook fairly well and im 12...
#16 - On 10/30/2009 at 9:34pm by life_can_suck21
some places won't take a card if the amount is under a dollar ydi for not keeping track of your spending now go get a.job
#20 - On 10/30/2009 at 10:11pm by No_fyl_cuz_ydi
1.) why would you purchase a postage stamp with a debit card?
2.) most small businesses have to pay processing fees, so they don't accept purchases on cards for less than 5$, or else they end up losing money.
#23 - On 10/30/2009 at 10:24pm by abbymybowl
You used a DEBIT CARD for 57 cents? If you don't have enough cash to pay for anything less than 20 bucks you don't deserve to have it.
If you dont even have 57 cents, I cant even imagine how you pay for tuition. You may as well work at the damn bookstore.
#25 - On 10/30/2009 at 10:50pm by DoubleA329
I can't believe the number of 'I agree' outweighs the number of 'you deserved it'. You totally deserved that shit.
#27 - On 10/30/2009 at 11:05pm by JoeDotPadilla
I use my debit card for everything too. Swiping a card is easier than counting out bills or change.
#31 - On 10/31/2009 at 12:09am by jane99
Everyone makes mistakes. I accidentally bought an album on iTunes using my touch, and lost $30. I would have afforded what I intended to buy though.
#33 - On 10/31/2009 at 12:51am by Super_Vegetto
why were you using your debit card for fifty something cents? just to let you know, the charge the bank charges for the transaction probably cost more than the stamp.. ydi
#40 - On 10/31/2009 at 6:41am by Paige_Nicole10
i must say i can sympathise with this person. once my card declined, albeit for a university textbook, and i had never been so embarrassed in my entire life.
#41 - On 10/31/2009 at 6:54am by postaltubealex
lol. every one in Alberta is stupid. oil sucking retards!
#44 - On 10/31/2009 at 12:06pm by jetranger778
Shut up. So yes, this was a stupid FML. Alberta is not a completely idiotic province. Where are you from? Some hick town in Saskatchewan?
You're a moron. You can't pay for anything under a dollar with a debit card. That's why it said insufficient funds. Why do you have a debit card if you don't even know how it works? And who buys just one stamp? FAKE!
#45 - On 10/31/2009 at 12:25pm by deelightful
I go to college and I never have cash on me. That is the purpose of my debit card. To take the place of cash. I have made extremely small purchases on my debit card because I carry no cash. Its not dumb to make those purchases. With myself I find it easier to keep track of my money in debit form rather than cash, I'm less likely to spend it on frivolous things or even lose it.
Just be glad it told you and you weren't charged the overdraft fee
#47 - On 10/31/2009 at 1:57pm by joshizzle3
when I tried to use my debit card on a candy bar the cash register rejected it because the amount wasn't over a dollar but I still had money in the account
#49 - On 10/31/2009 at 3:46pm by Askarlupka
How broke are you? How do you afford to eat every day? You might was to consider getting a job. Maybe something like prostitution, er, I mean escorting. I mean, c'mon, using a card to pay for a single stamp?
poorcollegestudent, i know how embarrassing it is. I was in the store buying a packet of stamps, with a line of people behind me. The cashier ran my debit card along the swipe machine, and turns out i only could afford to buy one stamp. MOST. EMBARRASSING. MOMENT. EVER!!!
Check your account. Perhaps your parents withdrew money under the table?
I had the opposite happen to me. I was *not* keeping track of my spending, and my parents were secretly adding money to my account. I thought I had rationed out $100 for the whole year, but in reality I spent over $1000.
ydi for using your debit card on anything less the 5 dollars. Who the hell goes to the candy store, buys a lollipop and uses a debit card... same principle. Asif you wouldn't birng at least a dollar in ur purse/wallet.
