It was one of the tools that allowed me to maintain healthy credit card usage habits. In my idle time when messing around on my phone I’d gotten into the habit of just transferring money from my checking account to my credit card, often in excess of my actual balance, so as to cover “pending” purchases.
Not only will my bank no longer let me do that, just to twist the knife a bit, they will let me make multiple payments totaling the pending total due so long as no individual payment exceeds my actual balance.
So it’s not that they can no longer handle negative balances on the card, it’s just that they’ve half-ass made the interface disallow it.
Keep the money in your bank account with interest, then pay the credit card in full every month. You get both benefits.
To be fair, high yield checking accounts sometimes require you to actually use the debit card
Oh sure, you get up votes when you say it
Sounds like someone is fraudulently using your debit card comment and reaping all the benefits. This wouldn’t have happened if you’d used a credit card comment instead.
The rate depends on debit card use.