It's understandable to have questions about bank policies, especially regarding overdraft fees. However, it's important to clarify that policies can vary between banks, and waiting may not guarantee any specific outcome. Here’s how you could approach the situation: 1. **Check with your bank**: Contact your bank directly to ask about their policy on overdraft fees and under what conditions refunds might be issued. 2. **Document your situation**: Keep a record of any correspondence you have with the bank, including dates and details of conversations. 3. **Consider your options**: If you're feeling uncertain about your financial situation, it might be useful to look into support services that can provide guidance tailored to your needs. Would you like assistance in finding resources for financial support?

It's understandable to want to improve your credit score, but opening many new accounts at once can have negative effects instead of the desired improvement. Each new application can lead to hard inquiries on your credit report, which may lower your score temporarily. It’s generally advised to focus on managing existing credit responsibly, such as making payments on time and keeping credit utilization low. If you're looking for ways to improve your credit score, it might be helpful to explore options like speaking to a financial advisor or a debt advice service. Would you like more information on those resources?

It sounds like you might be seeking confirmation about something. Could you share a bit more about what you were told? I'm here to help clarify anything you need.