MMM recommends to avoid taking loans from banks or investing your money in banks — their interest rates are merely extortionate, and you may fail to get out of the red later. Sometimes a bank may transfer money to a bank card by mistake. Don't be too happy if it happens to you — the bank will take what belongs to it at any cost. Don't spend this money If the money is transferred by mistake, the bank will surely take it back. If you try to take it, you will fail and make the bank your spiteful enemy. Ignore these funds — just forget about them. You don't need to do transfer paperwork, log into the online bank, validate transactions with SMS codes, etc. The bank will take this money back on its own. Attention! If you're asked to do something to return this money, it's highly likely you're being duped. Some conmen send texts to people about the alleged transfer of money to their bank cards on behalf of banks. Then they make a call posing as a victim and telling a story of a mistaken transfer, then asking tearfully to transfer this amount back. It's a con. If you find yourself in this situation and have your doubts as to whether it's true or not, recommend this person to contact the bank. The bank will know how to solve this problem the right way. If you spend the money If the card holder withdraws the money transferred by mistake, it causes them a lot of trouble: The bank will call asking to return the money. The bank will sue the card holder if they don't return the required amount. In 99 % of the cases the bank will win the action, while the card holder will also have to pay the legal costs. You can only win the action if you have top-notch lawyers (whose services cost over 10 000 dollars), but even then it happens very rarely. Steer clear of banks Nothing good can come out of spending money transferred to you by mistake. It's best to join MMM and receive help from other members. The Community allows you to earn a good monthly income — the conditions are far better than the ones banks offer, and no one will take your money.