I have 8 credit cards and one loan. I always managed to make my payments but not long ago some of my credit card companies doubled my minimums which made paying everything harder. Now in October my I overdrew my bank account. I only overdrew it by one transaction but my bank rearranged the order of the tranactions and charged more overdrafts. I was recovering from not being able to pay some of my minimums in November but ofcourse I now had some late payment fees which kept my budget thrown off.


