Yes,yes,yes.
I laugh at blonde jokes.
And yes. I am blonde.
I just screwed up so badly, that I could just cry.
Part1:
I have a secondary checking account that I don't really use anymore. I make my Crap1 CC payment online, don't bother to look at which account is the default for the payment, and ka-blooey. It comes out of the account I never look at.
Part2:
On Feb 13, the bank sends me a letter stating that the account has been overdrawn, and I have 10 days to deposit the funds to cover the overdraft, or the hounds of hell will be unleashed, etc.
Part3:
I thought the letter said 20 days.
Part4:
I transfer the funds Saturday (the 1st) online, and well, they've already charged it off. I call the bank, and it's too late to remove the charge off, althought they will be happy to accept the money I transferred, and they are going to place a charge off on my credit report AND Chexsystems.
Part5:
I am in the middle of getting a mortgage.
I am an idiot. Someone please slap me. Now.