Can you make debit card purchases if your account is negative?

[Anonymous]

[MysticAngel5000]

In most cases, your card will be declined if you have insufficient funds. If you have a negative balance, you can sometimes avoid a fee by putting money in to cover it within 24 hours. Not all banks offer that. I'd call my bank if I were you and ask about their fees associated with negative balances and ask if you could still use your bank card (not likely).

Future tip - be very careful with your checking account. Try hard to avoid letting it get too low and certainly try to avoid it going negative. Make note of your automatic payments if you have any so you remember when they are coming out. Don't spend too much. Make sure you're aware of your current balance. Write down what you spend and when so you can keep track of your money better.

Good luck!

[jennifer_bloom]

My withdrawal limit always exceeds my bank balance so I’m assuming you could and the bank will interpret the negative number as a heavily interested loan.

[IAteTwoFullHams]

Not usually. Usually the card will just get declined.

It's up to your bank's specific policies, though. Some of them let you overdraft so they can charge you big overdraft fees.

[ArtemisSilver]

If you have overdraft protection or act before transactions settle your can. However you'll incur additional charges in fees and penalty.

[Flower7]

Possibly, if you run them as “credit”. I have done that before at a gas pump, and it worked.

[AmandaYVR]

Nope