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    Using a debit card

    I know that if you write a check and it doesn't clear before you file that it is considered in the bank. What about use of debit cards? My bank shows:

    Previous balance 1000

    Pending transaction 600

    Available balance 400

    Anybody have this come up?

    #2
    I would use the available balance and not worry about it.
    Filed 1/31/11 341 3/2/11 Waiting for discharge........

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      #3
      On my statements, depending upon the transaction, it can take up two days to "post" a pending transaction to my account. When the money clears pending is what show on my final bank statements. (for example pending on Feb 1st - transaction day on final statement shows Feb 3rd). I'm sure each bank can be different. I am making sure all clear entirely before filing. You may want to look back at how they've cleared previously on you statement in the past. Hope this was helpful!
      Filed Ch 7 Feb 2011! Next stop 341 meeting sometime in March...
      Discharged!!!! 5-2011 CLOSED 6-2011

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        #4
        We're going to go to cash any day now-this pending/available is just one more level of nervousness I don't need...thanks for the replies

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          #5
          Use the available balance, that is the $ that is still yours.

          Hang in there!!

          Tom in Colo
          Ch7 filed 5/12/2010.....341 meeting 6/30/2010....report of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010

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