Vítor knows he must prepare and possibly prevent overdraft funds fees since they are charged automatically. Which statement below would be the least effective element of a plan Vitor could use to accurately estimate (or minimize) overdraft fees on the account?

Using a debit card for many small purchases and checking the balance only later makes it harder to track spending and can lead to overdrafts. Keeping extra money in the account, tracking temporary holds, and recording deposits only once they are available can all help estimate or minimize fees. The least effective plan element is “Use the debit card for a large number of small purchases and check the balance later.”

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