Cash & Bills: Everything you need to know about valid, invalid, or damaged currency
in Banking, Insurance & Loans ·
Give it a shot at the local Chase branch where you hold your checking account.
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wiredlynx28 › Posts
Posts by wiredlynx28
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JP Morgan Chase - overdraft limits and fees
in Banking, Insurance & Loans ·
It depends. If you’re a reliable client, it won't take long, but if you've got outstanding loans or credit card balances sitting alongside your current overdraft, they'll have to run a full credit assessment first.
A personal banker doesn't have the authority to just bump up your limit on a whim; they need official approval from their branch manager or director.
A personal banker doesn't have the authority to just bump up your limit on a whim; they need official approval from their branch manager or director.
Where can I find my current account number on my Chase card?
in Banking, Insurance & Loans ·
You open a standard checking account at Chase, get your debit card, and you're good to go with whatever cash you deposit. You aren't getting any overdraft protection unless you're employed and have your paycheck direct-deposited into that specific account. Basically, there's no going into the red; you can only spend what you actually have in the bank.
Where can I find my current account number on my Chase card?
in Banking, Insurance & Loans ·
You can get one.
Just head to your local Chase branch, show them your ID and Social Security number, and ask them to set up a checking account.
That’s really all you need—if they ask why, just tell them it's for personal use.
Just head to your local Chase branch, show them your ID and Social Security number, and ask them to set up a checking account.
That’s really all you need—if they ask why, just tell them it's for personal use.
Best bank in America?
in Banking, Insurance & Loans ·
bluesailor22 said:I’m also looking for recommendations on which bank in the US is considered the "best." I actually visited a JPMorgan Chase branch earlier today, and they basically treated me like I was a nuisance—so much so that I’ve decided it’s time to just close my accounts.
I ordered a new card back on December 4th, and yet—believe it or not—it still hasn't arrived. The one rather unpleasant clerk working the counter had the audacity to tell me, "Well, you don't actually *need* a card." Yes, apparently I don't. Because clearly, I have nothing better to do than wait in line for thirty minutes at their branches every single time I need cash, or enjoy being unable to shop online, or deal with being locked out of my PayPal account, and so on and so forth. I even called their "customer service" line, and all they could offer was the vague excuse that cards are running late and they have no idea when mine will show up.🙂
So, I noticed someone mentioned in another thread that there are certain banks that don't charge an initial fee for your first card. Does anyone know which ones those are? Also, what are the typical monthly maintenance fees and online banking charges? Thanks!
At Bank of America, issuing the card is free, and it's ready in 2-5 business days.
Maintenance at Bank of America is $2.25, and online banking is $2.75.
Student Loans
in Banking, Insurance & Loans ·
ruggedfalcon95 said:I’ve been scratching my head over one specific thing regarding student loans.
If someone takes out a loan to study abroad, finishes their degree, and then lands a great job overseas and decides they don't want to pay it back, how does the bank actually collect? Since they can't exactly go after someone's bank account in another country, I'm curious how that works in practice.
🤷
Banks utilize specific insurance instruments and rigorous credit risk assessments for every applicant.
At the end of the day, the bank makes sure they are covered.
Chase Mastercard Standard card
in Banking, Insurance & Loans ·
Does anyone know if Chase cards have received a new design, maybe something more European-looking? Like the ones you see at UniCredit in Italy or elsewhere in Europe
Visa Prepaid Refresh card
in Banking, Insurance & Loans ·
And did he work in England? It’s entirely possible they tracked him down through data sharing agreements.
Visa Prepaid Refresh card
in Banking, Insurance & Loans ·
Someone might have actually sent you money via that VISA Prepaid Gift Card, but if you aren't certain, don't touch a single thing until you've done your homework. Send them an email inquiry first and wait to see what their response is.
Quick question about credit cards
in Banking, Insurance & Loans ·
And which bank are we talking about?
Quick cash advances based on credit cards?!
in Banking, Insurance & Loans ·
silentowl7 said:You've got card issuers like American Express. If you have an American Express charge card, you can call them up and request a cash advance. You tell them what you need, and about 5-10 minutes later, you can hit the bank. It's fast. The catch is, if you aren't staying on top of your payments, they won't approve the credit. From what I've heard, you need a solid track record for at least 6-9 months, though they're a bit more lenient with consumer credit via American Express—maybe 3 months of clean payments. That's my take, anyway. And all those sketchy loan offers you see online? They're just disguised consumer loans. You're essentially "buying" something you never even see—you just end up with less cash than what's being charged to your card. You sign for a fridge, a TV, or a washer for $2667, but you only walk away with $2000 in hand. $667 keeps the difference...
With JPMorgan Chase using Mastercard, I know it takes longer—some people claim they got it the same day, but the fastest I ever saw was three days.
That's why I stick with American Express.
Starting in December, American Express will stop issuing cash advances.
Best online payment cards?
in Banking, Insurance & Loans ·
I was recently traveling through the US, and while most places will still take those old non-chip cards, you'll definitely run into certain retailers where they won't be accepted at all.
How to get a Dunkin' rewards account and how to use it?
in Banking, Insurance & Loans ·
To get a Diners Club revolving line, you have to be using their standard card for at least six months. They don't care about your Hrok or any other debts you might have out there; they only care if you've been paying your specific card bills on time. You should see an approval pretty quickly, too—it only took two days for mine to go through after I applied.
Visa Prepaid Refresh card
in Banking, Insurance & Loans ·
Visa Prepaid Card accounts are being updated, and the Prepaid gift card is intended for one-time payments
My banker told me that if I don't plan on using the Refresh card anymore, I should just close the account entirely. Since the Refresh card is tied directly to my identity, it isn't transferable.
With the gift card, you just pay something like $167 and you instantly get a card that can be handed off to anyone since it isn't registered to a specific name. Just keep in mind you have to spend the balance within 6 months, otherwise they'll shut down the account after that window closes.
My banker told me that if I don't plan on using the Refresh card anymore, I should just close the account entirely. Since the Refresh card is tied directly to my identity, it isn't transferable.
With the gift card, you just pay something like $167 and you instantly get a card that can be handed off to anyone since it isn't registered to a specific name. Just keep in mind you have to spend the balance within 6 months, otherwise they'll shut down the account after that window closes.
Visa Prepaid Refresh card
in Banking, Insurance & Loans ·
He was asking about the Visa Prepaid Card, not the Visa Prepaid gift card.
Visa Prepaid Refresh card
in Banking, Insurance & Loans ·
That card is a total waste of time.
I only grabbed it just to see what it was like.
Sure, you can use it at grocery stores and stuff, but
I went in today to close it out and it was a complete nightmare.
The balance on the account has to be under $33 for them to actually close it, and I think they charge some kind of fee $3.25 to payout whatever leftover balance is left on the account.
But here’s the kicker: when you go to open an account, the people behind the counter don't have a clue. They don't know the fees, they barely know anything. She practically had to run to ask a coworker what the service charges were, and even then, she wasn't sure how to process the closing. Her colleague had to step in and help her finish it.
Absolute chaos.
I only grabbed it just to see what it was like.
Sure, you can use it at grocery stores and stuff, but
I went in today to close it out and it was a complete nightmare.
The balance on the account has to be under $33 for them to actually close it, and I think they charge some kind of fee $3.25 to payout whatever leftover balance is left on the account.
But here’s the kicker: when you go to open an account, the people behind the counter don't have a clue. They don't know the fees, they barely know anything. She practically had to run to ask a coworker what the service charges were, and even then, she wasn't sure how to process the closing. Her colleague had to step in and help her finish it.
Absolute chaos.
Best online payment cards?
in Banking, Insurance & Loans ·
Kate Diaz said:American Express holds one significant advantage over the field. They can approve credit within ten minutes without requiring any tedious paperwork or causing unnecessary headaches—you simply give them a call, and the credit is on its way. As for the terms, they are only slightly less favorable than a standard bank loan; you’re looking at an interest rate of 9.98% (compared to the 8.5% to 9.5% range typically offered by major banks) and a 2% fee (versus the 2% to 3% you might see elsewhere).
I hold both an American Express and a Diners Club card, and when I went looking for credit through American Express,
they told me straight up that I had to be a cardholder for at least 12 months before I could qualify for a loan.
But with Diners Club, I can actually access credit after just 6 months.
Best online payment cards?
in Banking, Insurance & Loans ·
Kate Diaz;15811861 said:American Express has one massive edge. They approve credit within ten minutes without demanding a mountain of paperwork—you just give them a call and the funds are on their way.
I personally hold both an American Express and a Diners Club card, and when I reached out to American Express regarding a loan,
they informed me that I’d need to be a cardholder for at least 12 months before qualifying.
Meanwhile, with Diners Club, I could qualify for credit after just 6 months.
Best online payment cards?
in Banking, Insurance & Loans ·
Kate Diaz;15761045 said:Look, you can try to argue otherwise, but a Mastercard is a Mastercard and a Diners is a Diners. If they were the same thing, why would they even bother using different names? I’ve tried using my Diners card to pay for things or pull cash in Los Angeles and New York City. It just doesn't work.
You say one thing, I say another...
Just look at the back of any Diners card; you'll see this logo right here.
And if you want to see what a typical Diners card looks like in the US or Canada, check this out.
You can verify all of this yourself on the official site at http://www.dinersclubus.com/dce_content/home
