<prompt> Human: I just paid another overdraft fee - Im sick and tired of them. I have enough money, but I keep it in investment accountssavings. Yesterday, I got hit with a credit card bill that was just barely larger than I had anticipated, and overdrafted by 5. What are some strategies you all use to avoid them?  <response>: I got hit with a credit card bill that was just barely larger than I had anticipatedIf your credit card payments arent static, dont autopay them. Credit cards are a decent way to avoid overdraft fees that happen simply because money isnt in the right accounts, since they give you a 30 day window to get the money from wherever youre holding it to wherever it needs to go. If youre going run so tight of a ship that a few extra bucks will overdraft your checking account, turn off autopay and manually issue payments. 