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Posts by Lawrence Cruz

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ATM issues/locations? in Banking, Insurance & Loans ·
Justin Hernandez10 said:The issue is I need an ATM right now to pull out $17, but you guys are stuck talking about the card itself.
Nobody told me it wouldn't work at the register, so I tried it myself and failed. The shop owner just confirmed it only works at an ATM...

Any authorized user's card works at both ATMs and POS terminals. There’s simply no such thing as a card issued with only one of those functions. If your card didn't go through earlier, it was most likely an issue with the terminal, the connection, or some other random glitch...
By the way, JPMorgan Chase ATMs haven't been dispensing $17 bills for several months now.
ATM issues/locations? in Banking, Insurance & Loans ·
So, what’s the actual issue here? Just head to a retailer—one that takes cards, obviously—and use it to pay. You'll need your PIN, just like you would at an ATM.

I have no idea who told you that you couldn't use it at checkout counters?!
ATM issues/locations? in Banking, Insurance & Loans ·
What kind of card are you even using? Any card that works in an ATM can be used at a POS terminal just fine.
Mandatory pension funds: What are your thoughts? in Banking, Insurance & Loans ·
The OMF won't just "kick you out" of your membership simply because you're between jobs for a while. Any funds you've already contributed stay right where they are in the fund—they'll be managed there until you hit retirement age. You can usually expect an annual report to be sent out once a year.
Mistaken wire transfer/payment error in Banking, Insurance & Loans ·
It happens. The ATM just glitched out. Just check back in once they say it's "fixed"—your deposit should clear then.
Zaba fan possibilities in Banking, Insurance & Loans ·
Not for me either. Doesn't work in a fast-paced environment or within a tight-knit family setting.
Zaba fan possibilities in Banking, Insurance & Loans ·
And how many $151 are we talking about?
2012 Housing Loan Subsidies (Associated Press) in Banking, Insurance & Loans ·
Richard Wright said:Look, $2 million isn't exactly a mountain of cash for the federal government. Maybe the subsidies aren't some massive national undertaking, but they'll burn through every cent before summer ends just so they can claim victory.
So far, they've already approved over 750 loans...

Well, obviously it doesn't feel like much when it isn't coming directly out of your own pocket—even though it actually is.

At this rate, the funds will be tapped out in about two weeks.
Chase Mastercard Standard card in Banking, Insurance & Loans ·
I'm telling you, I've had mine for over 15 years now—and even with my kids constantly messing around with my old gear, they haven't managed to break it yet.
2012 Housing Loan Subsidies (Associated Press) in Banking, Insurance & Loans ·
If you’re looking at buying an apartment based on the APN program, honestly—you might want to reconsider. It feels like a classic rookie move by politicians right before an election. Let's be real: the government isn't sitting on a mountain of cash—they're borrowing from everywhere they can—so handing out these subsidies is a bit optimistic, to say the least.
2012 Housing Loan Subsidies (Associated Press) in Banking, Insurance & Loans ·
Hold on—are you seriously suggesting signing a purchase agreement today if the mortgage won't actually close until 2012?
What happens to your loans if you pass away? in Banking, Insurance & Loans ·
If a debtor passes away, the debt is inherited by whoever accepts the estate—but only up to the value of the assets they actually inherit.

When a loan goes unpaid, the bank naturally starts sending notices to the co-signers and guarantors to collect—that’s essentially their whole purpose, acting as a safety net if the primary borrower defaults.
I honestly don't get why people still act like being a co-signer or a guarantor is just some meaningless formality on a piece of paper.
Zaba fan possibilities in Banking, Insurance & Loans ·
Jonathan Foster3 said:Honestly, I think a standard payment assistant service should be more than enough for $6.75 a month. Keep in mind you'll still have to pay that annual fee for the Mastercard, but overall, it’ll end up being cheaper than opting for the full Zaba fan bundle.

With the basic assistant, you get five commission-free transfers through online banking. The Zaba fan package bumps that up to seven.

One other thing—if you maintain a standalone checking account, they tend to charge a separate fee for it $1.75 every month. With the assistant package, both your domestic and foreign currency accounts are already covered.

Best regards,

The Dynamic account actually offers 15 fee-free transfers.
Mastercard fraud in Banking, Insurance & Loans ·
So, we're talking skimming here.
In cases like this, they always refund your money.
Mastercard fraud in Banking, Insurance & Loans ·
So, how exactly did the person pull the cash out? Did they use a physical card, or are we looking at a skimming operation—whatever the reports might be saying?
Chase Mastercard Standard card in Banking, Insurance & Loans ·
Which bank issued this card?

Using the charge option means everything you spend during the billing cycle hits your statement all at once on your chosen date. If you end up maxing out the credit limit set by your bank—which happens more often than you'd think—you won't be able to use it again until those charges actually clear.
Mortgage rates and advice in Banking, Insurance & Loans ·
This thread isn't strictly about mortgages, but still... this one is
Mortgage rates and advice in Banking, Insurance & Loans ·
Are we talking about mortgage rates or residential housing here? 🤔
Chase Online in Banking, Insurance & Loans ·
So, do you have the token?
Mortgage loans and life insurance requirements in Banking, Insurance & Loans ·
Have you checked out Fannie Mae?

To me, those interim financing options through Fannie Mae look pretty decent right now.