I applied for an advance online because I really needed the money and I signed up for a website I thought had good credentials. 3 days after my bank calls me telling me that I was overdrawn because of a $49.98 charge. I did not anticipate this charge, so I called them up to get my money back. They gave me some confirmation number and told me that the money THEY CHARGED will be returned by 3-5 business days but they can’t refund the overdraft fee. Okay, so guys when you get this kind of problem you can call your bank and ask for a one time courtesy credit and just tell them that the company that charged you refunded your money. Make sure that you have your confirmation numbers and transaction numbers so they can verify or something.