Recurring charges like utility bills are often processed regardless of overdraft protection status - ultimately at the bank’s discretion, and you can be sure they’ll pick the option that gets them the most fees. Overdraft protection only seems to stop you from using your card for a new transaction with insufficient funds.

These are indeed paid on delivery.

Probably one of those cases where it’s only allowed because there’s no rule specifically forbidding it, and some determined individual figured out it worked one day.

I’m curious what they have to say to that!

“Girl math” doesn’t sound at all like misogynistic IT tech bro speech.