<prompt> Human: So Im a broke college kid who literally lives down to my last penny every 2 weeks. So about 2 months ago my account overdrafted on a charge for spotify. The bank charged me 34.99 as an overdraft fee. Fast forward to the next day and bam. Happens again with another recurring charge. So now Im up 68 bucks in fees. So I call the bank and they tell me iv already used my overdraft reversal this year. I tell them Im a college kid who lives down to the last dollar and by charging me all over these fees I will be short on My next pay check too. I ask them why they keep letting it charge and they tell me that they dont block recurring charges like netflix. iv been with chase bank for 3 years. Before that I was with Wells Fargo and they ALWAYS blocked overdraft charges. So fast forward to 2 weeks after the first charges. I run out of money with 5 days before my check hits. Over drafts again. And again. This time the charge itself was 99 bucks fucking amazon prime so I call amazon and get it cancelled but the bank wont reverse the overdraft charge. So again. I tell them that if they keep allowing stuff like this its going to keep haooening. Im in school full time and barely make enough money to live. No help from parents. Again they tell me the same thing. They will not block charges. So fast forward to today new month so these charges are going to come again. Iv cancelled the ones I can live without but again I have over 100 dollars out of my account. Split up over 3 over drafts. So I now have to cover the 100 bucks plus another 100 bucks for 3 seperate overdraft charges. My checks are only about 600 bucks so ill be 20p short off tbe bat. Which means i will definity overdraft again Please help guys. Idk what to do. I cant get a second job because of school. I dont need netflix sooo bad that I willing to pay overdraft fees for it. How can I get the bank to stop allowing this? I have over 500 dollars in overdraft fees alone in the last 3 months. I do a decent job with budgeting but because of the fees from 2 months ago. Iv gotten behind and cant get back on track. Edit: again, I have done a very good job of budgeting. But all it took was 2 overdraft fees and it has set off a chain reaction of not having money because of overdrafts because they keep charging me so God damn much. I dont understand how they can allow charges to keep hitting like that. It used to be that if you didnt have the money. It would block the charge and then you would just not have access to netflix and shit u till you pay it.  <response>: Dude, drop Netflix.. Drop Spotify.. Drop anything that doesnt sustain life. You cant afford it. 