I have a theory about banks, possibly a conspiracy theory, but whatever. I noticed that banks will sometimes delay a payment up to 5 or event 10 days, especially by bank draft. I have a feeling that the reasoning is because they have a background system that checks when you go under that payment limit, so they can slam you with fees. Example, if you need to pay 5K for a car repair, and you have 7K in your account, and in 3 days you spend 2100 on utilities and repairs, thinking you have enough cash, the bigger car repair payment will conveniently post AFTER the second payment(In reverse). This will make balance go from : 7 - 2100 - 5 = negative, instead of of 7 - 5 - 2100, which is more noticeable to the consumer.
TLDR: Banks are scummy as fuck, and I hope the kikes who own them burn in hell
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[–] R34p_Th3_Wh0r1w1nd ago (edited ago)
That's not a theory. It's a fact. That money transfers instantly, unless you hand write a check. Then it only takes is long as the company takes it too get it to the bank. Big banks are on their last gasp. Cryptocurrency is going drive their dicks in the dirt in the coming years.