Technology Credit Union Non sufficient fund charged mercy?

*** updated 12/30/2015 – Technology Credit Union refunded me the $28, with a warning email indicating that it’s the only time they will do it for me, any further charge will not be reversed 🙂


I’ve made a mistake of miscalculating the deposit of $1000 fund availability to my Bank. In this case, it’s Technology credit union, also known as TechCU. As a result I was charged with two $28 NSF fees. It was my mistake, I admitted. However it was just one day, well! mistake is a mistake doesn’t matter how long for that matter.

Anyhow, I’m just testing my bank mercy level. Will they have mercy for me? will they have courtesy enough to give me a break and reimburses me with the two $28? Absolutely would be nice to have $56 in the pocket back, I would be going out to treat my family a nice dinner, and would be able to say thank you TechCU 🙂 Will have to wait and see. Will update.

Greetings TechCU staff.

I’m wondering if I’m eligible for the two $28 NSF fees on 12/28 yesterday. I’ve made an honest mistake on calculating the deposit availability. I missed it by one day. Basically I made a deposit late last week of $1000 to TechCU and thought it would arrives on 12/28 yesterday to cover some of the payments on 12/28, but it didn’t make it on time and I’m being charged $28 twice for NSF. The $1000 is in the system today and I found out about the NSF fees.

I’m a long time customer and love banking with TechCU, I’m wondering if all possible I can get the two $28 reimbursed?

Wishing you all at TechCU staff a Merry Christmas and Happy New Year! Thanks very much for your time and consideration.

Paypal Cash Back rewards changes as of February 1, 2016

Just in case you missed this email from Paypal. More of for Business account with a Debit Mastercard. I’ve took advantage of the cash back reward over the past few months for making purchase with Paypal Smartconnect, however this is not appear to be for Paypal Smartconnect, this is actual Paypal account with a debit card. So probably doesn’t impact too many people if they’re making purchase at all with a Paypal Debit card. Basically negative changes, not beneficial for the users, but probably better for Paypal business. It does makes sense however.

Upcoming adjustments to the PayPal Business Debit MasterCard® rewards program.
PayPal <> Today at 10:05 AM

Message body


Cash Back rewards changes as of February 1, 2016.

We want to let you know about changes we are making to our PayPal Business Debit MasterCard® rewards program, in order to be in accordance with the existing PayPal Business Debit MasterCard Cardholder Agreement. Starting February 1, 2016, your cash back rebate payout, if any, will change in accordance with the program’s existing terms and conditions to reflect these adjustments.
As of February 1, 2016:
We’ve updated rewards program disbursements to conform to the existing Cardholder Agreement:
We will discontinue paying cash back rebates on PIN-less debit purchases, and
We will discontinue paying cash back rebates for any month if the calculated cash back payout is less than $1.00 USD
You can reference the existing PayPal Business Debit MasterCard Cardholder Agreement at . Section 8-b-ii-3 (p.4) covers the exclusion of PIN-less debit transactions and Section 8-c (p.4) explains the minimum $1.00 payout requirement.
Remember, most signature transactions made without using your PIN do qualify for the cash back rebate. (Transactions where you use your PIN and PIN-less debit transactions are not eligible.) When you’re buying groceries, dining out, shopping at a merchant, or otherwise using the card, ask the merchant (or make the choice yourself on the terminal) to run your card as a credit transaction and be sure to sign the receipt.
Please be advised that some merchants may elect to process your transaction as a PIN-less debit transaction without offering you other options. In this case, the transaction is not eligible for cash back rebate.
Everything else remains the same.
All existing terms, conditions and benefits of your card will continue as they are today. Please keep a copy of this message with the other details about your card.
We’re here if you have questions.
As always, please contact us if you have questions about this change or other matters related to your card. You can click here, use the Contact link on any page or call us toll-free at 866.888.6080.
Thanks again for your continued loyalty to our rewards program.
The PayPal Business Debit MasterCard Team
This card is issued by The Bancorp Bank pursuant to license by MasterCard International Incorporated. The Bancorp Bank, Member FDIC. MasterCard is a registered trademark of MasterCard International Incorporated.
This card may be used everywhere Debit MasterCard is accepted.

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Watch out for Hertz Rental Car toll fees service charge from Platepass

It was a surprised to me when I got a bill for $30 from Platepass. I noticed it link to my rental car with Hertz in San Francisco Bay area.

I rented a Jeep for 4 days. I went to San Francisco Golden Gate Bridge once, and I noticed there wasn’t a toll person so I can pay the toll, but instead it appears to be automated somehow. The toll maybe $7 or less. However I got charged from Platepass for $30. What a ripped off huh?

Well apparently, Hertz partnership with Platepass and somewhere hidden on the rental agreement from Hertz they didn’t disclosed this information and I got ding for it, because I agreed to it with my signature somewhere. So be careful what you’re signing and be careful with Hertz, it’s not my first time have negative experience with Hertz rental car. Another time Hertz said the insurance I bought online for their car rental is useless and asking me to buy it directly from Hertz instead.

Platepass charged $5 per day, and it doesn’t matter if you use it or not, Toll that is. On top of that, the actual toll of $10 or whatever the amount you need to pay toll. So total up $30.

$30 is not much really, but the business strategy from Hertz and Platepass is a ripped off. How much money they making from people like me? a lot! there are many others.

What is going on with Bitcoin price sky rocketing toward end of 2015?

Well let keep it simple as that and not question eh? It’s going up, what else you want to ask? ah ok, why? simple answer, we don’t know! 🙂 other than the fact more buy than sell, hopefully people will continue to hold them not getting in and getting out to make a profit.

The best time to buy Bitcoin is now? yes, buy bitcoin anytime. Bitcoin in the future will only go up in value. Bitcoin volume is limited and in the past years, and going basis, people misplaced their bitcoin, server crashed, computer crashed, and those bitcoins are gone forever, it cannot be retrieved. However it’s getting better as people know to backup their wallet and commercial wallet are also available, also some Exchange are now becoming bank to keep your bitcoin safe, if you trust them :). Look like some of biggest and most trusted Bitcoin exchange are Coinbase, Bitstamp, Bitfinex, and BTC-e, depend on your regions. I wouldn’t trust any other Exchange to keep your Bitcoin. You could however uses other Exchange to convert your altcoins to Bitcoin then move it out into a more trusted Bitcoin Exchange.

The bottom line is, Bitcoin is still consider new, despite it’s been maybe 4-5 years. The best place to keep your Bitcoin wallet is a paper wallet or a offline wallet, or a wallet on a computer devices that is not hook up to the internet until you need to. So call cold wallet :). I’m pretty sure people now a day have a few old computers sitting around, maybe use one of those to keep Bitcoin wallet, and off course create a backup to a CD ROM or USB thumb-drive, I don’t recommend cloud storage to backup bitcoin though 🙂

In conclusion, I don’t know why Bitcoin go up, nor does anyone else. It could be $1 one day and $1000000000 the next day. Leave it as that. Until we have a stronger mainstream usage on Bitcoin, then we can probably do more accurate analysis on why, how, when Bitcoin go up and down.