Look, they’re fine, provided you don't actually plan on using mobile banking. If you aren't going to be a client, you don't really need it anyway; you can just handle the loan through an administrative freeze.
Look, just head down to a local branch, ask around, and let us know what you find. From what I can gather, it sounds like every single one of their cards comes with a revolving option, but you can choose to use them as a charge card or set up installments whenever you feel like it. Basically, any revolving card can be treated as a charge card.
With JPMorgan Chase, if you opt for a charge card, that’s the end of it—you don't get revolving features, but you don't get installments either. Personally, I think the Federal Reserve card is the better move since it gives you everything in one package. Though, they might let you select a charge-only option too. Go ask.
You can pay off a revolving balance like a charge card, but you can't flip a pure charge card into a revolving one—Chase offers that option, but Bank of America doesn't.
Exactly. I’m not sure if there’s any room to negotiate a raise or if that’s just the ceiling, but here’s my move: I’ll pull that $2,000 and then just wire the rest via online banking to my other account at Wells Fargo—mostly just so I can take advantage of the contactless master card features.
Just got a letter at home letting me know my bank approved an installment plan via my Mozart card, which includes some cash advances too.
On the flip side, their online banking fees are pretty steep—looks like somewhere between 2% and 20% based on what I saw on their website.
Plus, they have this incredibly stupid daily ATM withdrawal limit for Mozart cards of just $667 if your salary is under $2000 (assuming you even bank with them).
It was fast—maybe two days—but I went through a broker. They didn't screw me over on anything; they're actually decent enough. They gave me my debit card and my master. Their only real flaw is that they don't have mobile banking yet, though apparently, that's coming soon.
Edit: Honestly, they’re a fine bank if you’re a fine client. :-)
I never, ever use Dynamic Currency Conversion at an ATM, regardless of which bank owns it. That goes for my Chime card too—basically any card that isn't denominated in US Dollars.
darkmaker94 said:The big upside here is that if you send money via card, the bank doesn't hit you with those annoying ATM withdrawal fees. Since it’s processed as an online purchase, it stays fee-free. It would be awesome if they added Diners Club and American Express to the mix too, because using those is way more cost-effective than just pulling cash out of an ATM. 😁
I'm with you on this. It would be great if they finally added Diners Club and American Express to the mix so I wouldn't have to deal with the headache of using Venmo just to withdraw cash.
The only downside to using PayPal is that I have to hit a gas station to use it. I don't even drive, and there isn't an ExxonMobil near me. It would be great if they added more cash withdrawal locations.
It’s honestly great that we have something like this available here. I currently rely on foreign apps like Venmo and Chime, which will make even more sense once we switch over to the US Dollar.
They’re just copying them. They were hitting me up for all sorts of random info regarding my Mastercard about a year and a half ago. After that? Nothing.