J-Boeg said:
it isnt hard at all...a debit card had the visa logo on it so a lot of places will use it as visa which takes a few days to come out of your account instead of debit which comes out instantly...then you think you have money and you dont, then theres overdrafte fees...ive had some bad experiences with banks
Sounds like your bank allowed overdrafting. Alot of banks dont do that anymore unless you have good standing for a while.
When a credit auth is submitted it will only let it go over the credit line if the bank allows overdrafting.