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Vycious's Journal

vycious
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01/19/2007 18:06 #37782

i hate keybank.
Category: money
i never overdraft. my diagnosis of ocd makes sure that i never allow myself such things. somehow, in the past two weeks, i have been charged three overdraft fees for items posted up to a week and a half late on my account. this is what i get for bad bookkeeping.

so im out about ninety dollars from my paycheck from last week, taking away about 1/7th of it. good times. this means i must budget frugally, as if i had received no double promotion about two pay periods ago. the last pay period being christmas. (now that i think of it, this period of the year seems to be the only time i have ever received these types of snafus with post-payment-overdraft-charges. i blame christians and christmas.) when does vycious get to enjoy his new salary? the answer is: not the first month of the year, for sure. thankfully i have (or will have) all the toys i could possibly want at the moment, but its so easy to wonder what i could have done with the ninety dollars it took to learn that my bank is a bunch of soulless-bean-counters and button-pushers. maybe i have gotten in the habit of using the ole debit card a tad much. maybe this means i should learn the value of cash again? or maybe its just that the banks pull this shit at the end of the year to reap the fiscal quarters slack for having their coffers emptied due to a certain well known series of western religions holidays slumped together due to roman conquest? i digress.

luckily, i put a healthy amount of dough on my laundry card, so im safe in the clean smelling dept. now all i have to do is find someone magnanimous enough to aid me in transport to a local aldais or wegmans to budget out my food funds for groceries instead of wendys. yes, i have a wendys problem. ask enknot. its true.

soo many developments this week. i had to change my myspace profile to private for the first time ever due to some ongoing drama of mine that i have (admittedly) fed into perhaps a tad much in the past six to seven months. a shame, as this woman could have been all i was looking for if she had known how to use the slightest bit of tact and subtlety. but thats another topic, and this one was supposed to be money. so. money.
hatekeybank - 06/05/12 16:45
I have HUGE issues with KeyBank. Please sign and share my petition against KeyBank. :::link:::

pyrcedgrrl - 02/02/07 10:24
I just read this, but, in case the wonderful "Sales through Service Representative" (lol.. I used to work in Key's call center) didn't let you know: if there are insufficient funds, they will try to post the item 3 times.
Somewhere in their infinite wisdom, they looked at the accounts that weren't paying them a lot of money (IE: Key Free Checking) and said, "Hmmm... well, let's try posting things 3 times. That way, by the time the person realizes they didn't have enough money for the initial transaction, they will need to scrounge up money for the inital charge PLUS a overdraft (what is it, $28.00 now?) before the NEXT day. If the money's not there we'll do it again!!! BRILLIANT!!!!" lmao

Sorry you had a visit from the overdraft fairy. :\ (happens to me around once a year) Hope they let you know that if you get more than 3 in (i think) a 6 month period they can charge you an Excessive Overdraft fee of $32.00. (again, I think) Good luck!

~d
ghostfacehbc - 01/28/07 20:24
wait im tryin to sell my soul to you and your gonna bounce the check? thanks devil.
vycious - 01/21/07 00:20
i tried, but they said they only do it once a year, and that they had already done it for me the week prior. jerks.
libertad - 01/20/07 13:41
Playing with the wii was fun. Did you go into the bank and ask them to remove the charges? I have had them removed at HSBC several times by going into the branch where i opened the account.

01/18/2007 17:29 #37764

beach camera
Category: online purchasing
so, i ordered my camera last friday. most of you by now are sick of hearing about it- but im stoked.
so i figured since the site said it was in stock, and that it generally takes 2 days to process an order, and that i have chosen 7-9 shipping days, i would have it early next week.
nope. not in stock. backordered. not being recieved there until tuesday. which means i will not recieve it till next friday, if im lucky. pissy-pissy-angry-doo-doo-pants. grr.

01/16/2007 23:07 #37729

mindless self indulgence
Category: bitches
im sure most of you have seen this. but its one of my internet favs.



des - 01/17/07 08:52
That made my day baby.

01/05/2007 19:25 #37546

creeeeeeppy.....
Category: fun
its interesting the things you can find on youtube:


des - 01/06/07 14:34
I think we should just get a camcorder and make our own horror movie spoof. Whadaya say?
chicoschica - 01/05/07 21:11
totally creepy...

12/31/2006 21:18 #37483

resolutions...
Category: holiday
okay, so the first year in many, i can say i have been very productive. it was the first time i have made a resolution in many, many years, and kept it. good for me.

so, to commemorate my productivity and progress, i will be celebrating with the (e:strip)pers tonight at the new years bash. so i get to thinking, what could some new years resolutions be for me now? and this is what came up:

  • drumroll*

2007 New Years Resolutions
1. i resolve to get new socks.
2. i resolve to buy a new can opener.
3. i resolve to buy new gloves.
4. i resolve to work on my wardrobe.
5. i resolve to keep the weight off that i lost (90 lbs!!)
6. i resolve to allow myself the options to fall in love, once again.
8. i resolve to be more social.
9. i resolve to find a new apartment.
10. i resolve to recover number seven.


well, its a start. im sure in my drunken frenzy tonight, i will find another one or two resolutions to make.

hope you all have a safe new years, and blessings on the upcoming!!


des - 12/31/06 21:23
you've inspired me baby, I too will buy new socks.