Man did I take a wrong turn this week in regards to one of my credit card payments.  As quick background, I used the same bank (bank 1) from when I got my first job early in high school all the way until the beginning of my senior year in college.  Then, disappointed in the options / benefits / fees / service of that bank I moved the majority of my banking to another (bank 2). However, because I still had a balance on a credit card through bank 1, I left that checking account open and had that checking account auto pay the minimum balance on the credit card each month.  Sure enough, the balance that was left in the bank 1 checking account eroded away ~$35 at a time with less and less attention on it each month.

I’m sure that you’re thinking I let the checking account drain completely empty and thus being caught off guard by the failed auto pay.  That’s the stupid part of it.  I knew damn good and well that I needed to deposit $10 into the account before the 4th of the month so that there would be enough.  But no, being as financially immature as ever, I counted on an expected Paypal auto deposit (More info here: FREE $20!!!) to clear in time to cover the credit card payment.
Sure enough, the Paypal deposit took one day too long, my credit card payment hit my checking account and sent me into overdraft, and the bank assessed a $33 overdraft fee.