<prompt> Human: My sister went to the US over the summer to work there through some student program, opened an account in the bank of America and deposited most of her money there. Fast forward 3 months later she comes homeMacedonia and is prompted with an email saying her accounts balance is -13 or something like that because of Uber. So far she has also been charged another 35 as a late fee. What are her options to paying this back when away from America? P.S. How can debit cards go in negative balance?Assistant: US banks highly profit from the insidious practice of letting you spend more money than have in your account and then charging you ridiculous fees for the favor.Human: I dont know a lot but i am pretty sure thats not how debit cards work.Assistant: sure is, I can have 10 dollars in my bank account, and the store will let me buy a 20 dollar item from them using my debit card. Only after does the bank yell at me and say: Hey you only had 10 dollars, we paid that guy 20! You owe us 10 bucks, oh and plus we are charging you a fee for doing this!Human: But why advertise it as a debit card? Just say its a credit card.  <response>: Because its not a credit card. And you can opt out of over draft protection. 