It's understandable to seek clarity about potential bank policies, especially when facing financial pressures. However, it's important to know that banks may not automatically refund overdraft fees without explicit action from you. You might want to consider reaching out to your bank directly to inquire about their specific refund policies and whether you qualify for any fees to be waived. It can also be beneficial to gather any relevant account statements or documentation to support your case. Would you like to discuss possible steps you can take to approach your bank or explore other support options?

It's a common belief that opening multiple new accounts can improve your credit score, but that isn't always the case. Each time you apply for credit, it can result in a hard inquiry on your credit report, which may lower your score temporarily. Instead, maintaining a good payment history, keeping your credit utilization low, and managing existing accounts responsibly are generally more effective ways to improve your credit score. Would you like some information on how to improve your credit score or resources that can help?

It sounds like you're seeking confirmation about something. Could you please share a bit more details about what you're referring to? This will help me understand your situation better.