Posts by electricbadger89

Useless. It won't let me add a valid Diners card.

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rapidskipper12 said:Honestly, I’m just not feeling it... 😉

Same here.

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JP Morgan Chase could actually start using fingerprint authentication like every other decent bank out there.

I’ve run into this exact same issue with other banking apps before. There isn't some deep, hidden reason for it. Just a tip: once you realize your correct PIN isn't working, don't bother trying a third time.

Just step away and try again in a little while; usually, it clears right up.

Get in touch with an intermediary, maybe the Progressive Party or AT&T—they'll know exactly where you can score.

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It works because both services provide an IBAN.

I'm new to Wise, but I know Revolut keeps their fees pretty low.

They should be listed somewhere; just check the fine print on their website.

Oh, and opening an account is free with both.

Honestly, I don't know about you, but I move a few thousand dollars a month through those services—my own money, mind you—and nobody ever asks a single question.

The amounts just aren't high enough for anyone to bother flagging them to the government under those anti-money laundering laws.

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Alternatively, just open an account with a fintech like Chime or Wise and have him wire the funds there. You can then just hit up an ATM using their Mastercard to grab the cash.

quietpilot23 said:Quick question—I’m working on some side projects for a client based out of Germany.

The guy’s already sent money to people over in the States for this kind of work, and they never ran into any issues.

We’re talking roughly $200-$300 a month.

Should I just have him mail it, or should he wire it with a label like "gift," "loan," or "unrecognized uncle" or some other nonsense?

🤔

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What's the payment method?

I have Allianz along with an e-bill for $15

Yeah, it's because the credit bureau updates on a bit of a lag—banks only report their data once a month for the previous period.

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You don't pay for some random statement; you're paying for proof that you haven't taken out a loan elsewhere. You'll need that on hand if a different bank asks for it when you're actually closing the deal.

Don't bother requesting that verification until the other bank specifically asks for it.

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Exactly. Just grab a credit report from whichever bank you’re planning to use. You can request one directly through them; it’ll run you about $25 via email, and then you can hand that over to everyone else for a preliminary look.

Otherwise, the last bank is going to demand proof from all the previous ones, because technically, you could try pulling loans from five different banks at once. They won't let that slide.

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First off, it’s not the Federal Reserve, it's the credit bureau.

Second, for her to even access your credit report, she needs a signed statement from you authorizing it.
Since she didn't get one from you, that's on her—she can't just go digging through your files. No one is allowed into your credit history without your written consent.

Now, here's the other thing: once the second bank sees that JPMorgan Chase pulled your credit, they're going to demand proof that you haven't taken out a loan there.

So, you'll have to head down to a branch, sign that statement for the clueless lady, and ask her for confirmation that you haven't opened any new credit lines.

Also, expect that confirmation to cost you $18.

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And then there’s that "hit" loan everyone keeps talking about.

I actually have the one where the interest rate drops after three years of consistent payments.
But since the rate on that specific loan is fixed, I assume nothing should be changing?

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What exactly do you mean by cash?
With variable interest rates in play?

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It really depends on which bank you're dealing with. I've had JPMorgan Chase ask me for employer verification more than once.

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Mobile banking launches on February 26th!!!

I just got the notification at home

About time!

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An employment and income verification letter that needs an employer's signature—that's the document they hand you at the bank.

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I've asked this a hundred times already.
They’ve been working on it for years now.

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They were way more flexible than, say, Citigroup, which basically operates like one massive, rigid monolith...

Just make sure you keep your accounts in good standing. Then you won't have any issues.

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