vividranger8 said:I mean, what’s next? Maybe the government just wants full access to all our private emails to see if we're making side deals to dodge taxes—and their excuse will probably be that if you aren't doing anything illegal, why should you care if someone's snooping through your inbox? It's getting a bit wild, I guess...🙄
Nathan Morris3 said:Legally speaking, they could technically hit you with a 5% gift tax on what you get from your boyfriend, though I guess it's unlikely the IRS would bother with such small amounts. But, I don't know, if it happens regularly, who knows how they might interpret it.
Between you and your parents, there's no tax issue, so you can pretty much do whatever you want there.
Good grief. :-/
What an absolute joke.
So, from now on, it's strictly cash under the mattress. lol btw
Btw, I also transfer my paycheck from one bank over to another because the second one offers free transactions, savings options, and other perks... Is that even legal?
(Probably not. My salary is already taxed, and I figure I can do whatever I want with it between my own accounts. Pfft)
I’m not talking about a salary here. It’s more like my boyfriend sends money to my account every month—sometimes $100, sometimes more, depending on what's needed. I also send money to my mom to help her out with hers and stuff. What’s the deal with that? Who is actually going to stop me from sending or receiving money that isn't strictly earned income?
Hannah Allen5 said:It’s not exactly direct, but it’s pretty close. If I interpreted the ad correctly, Aetna doesn't actually have some specific card linked to their system; instead, you just scan your receipt and they supposedly just refund the money straight back to your checking account automatically.
I’m trying to figure out why JPMorgan Chase in America offers such a limited range of products compared to, say, JPMorgan Chase in Canada.
In this day and age, it’s honestly unacceptable for a bank to lack basic mobile banking. Our neighbors have contactless Mastercard debit cards, while we’re stuck with basic Maestro. Don't even get me started on the lack of Mastercard or Visa Gold debit options—their credit card selection alone puts ours to shame.
They’re fine, I guess. The catch is they’ll try to shove life insurance down your throat, but honestly, if you don't have any, it might actually be a decent move. That first premium is an annual hit taken straight from your loan, though you can always ask to switch to monthly payments later if that suits you better. You could cancel the coverage, but then you’re just throwing that first premium right out the window.
They pull their Commission from the banks and insurance companies.
I've had pretty good luck with advisors so far, but you really need to pick a firm with a solid track record and make sure they're actually SEC-registered.
Usually, the bank provides a specific form that you take to your employer to get their info, a signature, and a stamp. Just ask your bank for one, or check if it’s tucked inside the loan application paperwork itself.
Digging this thread up. What’s the actual process for getting this card approved at Chase? I’ve got my checking account there, a credit line, an overdraft protection, and some installment options on my current account that I haven't even touched yet. My record is spotless. I want the Mastercard specifically to take advantage of those interest-free purchases for up to 24 months since we're currently furnishing our new place. Does the approval process drag on? And do they actually check my NASDAQ score for this, or does it not matter since it’s a charge card rather than a standard credit card?
granitemaker26 said:I’ve got supplemental coverage through GEICO. I was wondering—if I head into the hospital for surgery and just flash my card, am I stuck paying the bill upfront and then chasing the insurance company for a refund later? Or does the hospital just bill them directly? Thanks for any insight.
From what I know, the hospital bills them automatically, but for prescriptions, you send in the receipt for a refund.
So, I just swung by the branch. The teller was super nice—said everything should be approved automatically once my third paycheck clears, which should be next month. She told me to check back if it doesn't happen. :-D
The interest rate is sitting at 9.85% right now, and I plan on paying it off in a year. I’ve been using a Chase Bank card for six months, though I had a different payroll provider for a year before that. My direct deposit just switched over to them recently, which is why I’m asking. Honestly, I can wait for three paychecks to clear first—no big deal.
How much overdraft limit are you guys actually getting through Chase? And what’s the actual process for approval? Do I have to wait for three paychecks to hit, or can I apply right after the first one?
Jerry Taylor said:I’m looking into taking out a mortgage, and Bank of America seems to have the most attractive offer for a USD-based home loan—so I’m weighing whether it actually makes sense to switch over to them (I am currently with JP Morgan Chase), but I’ve stumbled upon quite a few scathing reviews and horror stories regarding their service on various forums. Would it be more prudent to just stay put with JP Morgan Chase—even if it means paying a slightly higher interest rate (around 4.97% - 5.1% APR)—simply because I’ve been a client there for ten years already...!?
Grab the offer from Bank of America and take it to Zaba. See if they’re willing to lower your rate to keep you. I’ve heard that actually works.
Hey everyone, does JPMorgan Chase automatically approve an overdraft limit once my first paycheck hits an account that's part of a direct deposit setup? Do I need to file a formal request, or does the system just handle it? Since direct deposit amounts can fluctuate, does the overdraft limit jump straight to three times my salary, or does it start smaller? Also, if I already have a loan through JPMorgan Chase, will that affect how much they let me overdraw?
My foreign currency account was also sitting in the red without me even realizing it. They told me all about those potential fees back when I was originally taking out the loan... After that, they just started docking the fees directly from my checking