Where did she say that she had never heard of lending money without a payment structure?
She said "Life long Bank employee here, employee accounts are flagged and under higher scrutiny due to AML regulations, unless it's a tiny local bank. But a local bank wouldn't grant 30,000 OD with no repayment structure."
A very specific instance (small bank and very large overdraft) where it wouldn't be done without a repayment structure is very different than your claim of her saying that she's never heard of lending money without a payment structure.
You put it in bold. Why are you trying to change it. Yes a local bank did grant a OD with no payment structure. All I have to pay is the minimum of .75%. I will pay it of with hardly putting anything towards interest.
I just told the people on this board how to pay off your cards faster with hardly any interest.
No sure why some of you find it so hard.