Well, got in trouble with my credit card. [View All]

I have a minimum payment due today, and not enough money in my checking account to cover it. I've transferred some money from another account, but it won't show up until early next week. No cash around the house to run to the ATM (I put in what I had yesterday), last night's Pick-3 lottery ticket didn't pan out, and no nearby friend/relative whom I would crawl to to borrow $40. It seems my only option is to try and pay the minimum, and let the bank hit me with an overdraft fee (and hope it's not too drastic). I think it would be worse to be late on my payment. My own fault for not keeping up on it.

Hmm. Maybe I can pawn a piece of jewelry, if I can find a shop open today?

Any other option that anyone can think of?

Why is it, anyway, that you can transfer funds over the net, which is instant, but it doesn't "register" until 3 days later? That seems so 20th-Century, somehow.