for posterity: I like OP's way better. Eat the $245 charge assuming you can afford it, so you can call them out on their shitty behaviour. Your bank has all yo

for posterity: I like OP's way better. Eat the $245 charge assuming you can afford it, so you can call them out on their shitty behaviour. Your bank has all your money (mine does anyway (I'm 22)) so they can treat you right or they can go fuck themselves.