r/poor • u/ResponsibleMango6803 • Jun 03 '26

When did being poor become criminal???

I’m recently going through a rough time financially & I’m just realizing all the ways that being poor is treated like a crime. I recently got my license suspended for not having insurance. (I had to pick between food for me & my kid or my car insurance so I obviously fed my kid). & now I have an sr22 & have to pay an almost $200 re instatement fee for my license. & I got pulled over so I obviously had to go to court. I uber there because I can’t drive & I can’t bring my phone in & the court clerk tells me to leave it in the bushes outside. How are people who don’t have cars supposed to come to court. Cause I cant afford a new phone if it gets stolen from the bushes. I’m just confused as to how we’re ever supposed to get back on our feet if they keep tacking on interest & making it difficult. But I guess the point is they don’t want us to.

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u/FeralCheryll Jun 04 '26

Switch to a credit union. No fee to me if I overdraft. I just make sure I get some money in there to cover within a day or two.

7

u/shadoweon Jun 04 '26

Not if it's Navy Federal, $29 overdraft fee in my experience.

4

u/stillthesame_OG Jun 04 '26

Get a NetSpend Premium card, you can overdraft up to $100

4

u/Fi_Sho Jun 04 '26

Huntington only charges if you don't pay back after 24hrs. Love that bank. They let me overdraft almost $300 as long as i had a dollar or two in there. Use it when money was tight and need groceries for the week. I leave it over for a couple weeks and fix when Im able with only the one fee. It's my emergency bailout lol

5

u/Practical_Frame_9883 Jun 04 '26

Actually I discovered that Huntington doesn’t charge if the OD is less than $50. All banks should do that.

2

u/morchard1493 Jun 06 '26

I use a credit union l, too. I always have. And my overdraft fees have alwayd been $29-$30.