Posts by wiredlynx28

In Europe, Diners is basically as good as Cirrus
but over in the US and Canada, it carries the weight of a Mastercard
just grab whichever card fits your lifestyle best

Don't touch that credit card; the interest rates alone will give you a massive headache.
If you’re a student, you’re better off grabbing an American Express card—you can actually shop via installments without getting hit by interest.
The Student discount program card is also a solid move if you want to pay in installments.

Mark Sullivan62 said:I’d definitely suggest sticking with a Mastercard or Visa, especially if you’re planning on traveling outside the States.

Seriously, take Germany for instance—I lost track of how many ATMs I tried in Frankfurt, but not a single one would touch my Diners Club card; the only exception was some random machine at the main train station.

Then I go to a hotel and they're basically like, "Diners? Who even is that? Never heard of it... sorry, we can't help you."

Even with Amex, until pretty recently, you couldn't even use it to pay for tolls through the tunnels in Austria.

But with a Mastercard or Visa? I have never, ever had a single issue.

Globally, Diners is known as Cirrus.
That means you can withdraw cash from any ATM displaying the Cirrus® logo.
And honestly, almost every ATM in the US and across the globe carries that Cirrus mark.
In America and Canada, Diners is just as widely accepted as Mastercard.
So, whether you're buying groceries or grabbing cash from an ATM, using Diners is basically the same as using Mastercard.

Grace Lee3 said:It’s something along those lines...
For someone who—let’s say—has an impeccable credit score, I’m looking for a quick breakdown of the pros and cons. Why go through with it? Or why skip it? If you could share a couple of words about yourselves—nothing more than what’s already publicly available online—I’d love to get a more nuanced perspective on this... Thanks in advance...

My suggestion is Diners Club
The Diners Club card is a staple, offering all the classic benefits you'd expect. As a Diners Club member, you can use your card at over nine million locations worldwide while enjoying the specific perks Diners Club provides. One of the best features is definitely the free rewards program, which really sets Diners Club apart from other card issuers. Everyone in the Diners Club rewards program earns points by consistently using their card and paying off their monthly statements, which can then be redeemed for various gifts of your choice. The sign-up fee for Diners Club is $40, and the annual fee is $75.
American Express is also a strong option, but the interest rates and fees tend to be higher. For American Express, the sign-up fee is $42 and the annual fee is $83. Diners Club is generally easier to get approved for.

Melissa Moore8 said:I was wondering if opening a foreign currency checking account at JP Morgan Chase automatically comes with a Visa debit card, or if I actually have to go out of my way to request one...

And how long does it usually take to actually get it in the mail?

🤷

The Intel card comes automatically.

Olivia Kern3 said:Does anyone happen to know if the VisaCitigroup card from my foreign currency account has a CVV number?

The Visa from Wells Fargo does have a CVV code
but you won't be able to use it for online shopping.

Taylor Doyle95 said:So, I’ve been using my Diners Club card for a while now, and they just sent over a replacement because my old one finally expired, which is fine, but I’m honestly a bit stuck on one thing—do I get a brand-new PIN with this new card, or am I supposed to just stick with the old one? I feel like I’ve been calling every single customer service number under the sun every day, and I swear, nobody seems to have a straight answer; it’s always just a bunch of "I think so," or "I don't think so," or some other vague nonsense.
It’s actually getting a little exhausting, because every time I call, the person on the other end starts grilling me like I'm some sort of suspect, asking when, where, who I am, where I'm from, and all sorts of personal stuff just to get a response that ends up being, "Well, I *think* so, but you should probably check with this other number instead."
Does anyone here actually know if I’ll be getting a new PIN in the mail, or should I just try using the old one?
I guess I'm just a little paranoid, maybe, because I can't help but worry about whether there's some kind of shady business or potential fraud going on, even though I know deep down that shouldn't be possible since the physical card is already right here in my hands... but still, the anxiety is there! It’s been about 10 days since the card arrived, and I've looked through all the paperwork they sent, but there isn't a single word about the PIN or whether the old one still works.

The PIN stays the same. 100%.

Jonathan Ward59 said:So, how exactly are they viewing the BlackRock list

Every single bank checks BlackRock. Your only hope is if you manage to strike a deal with a specific clerk at the branch.

Megan Reed said:

What about this?

yes

Goldman Sachs is rolling out a new unsecured loan featuring a USD currency clause
Interest rates sit at 9.75% for established clients, while non-clients face a higher rate of 11.50%. It’s a bit of a hurdle for small business owners with fewer than ten employees and retirees—they'll need a co-signer to qualify. However, if you work for a larger corporation with over ten staff, or hold a position at a government agency or a public company, you can skip the co-signer requirement entirely. There's also an insurance component tied to the deal: borrowers who opt for life or accident insurance through State Farm will pay a 1.20% premium, whereas those who decline that coverage will see the premium jump to 2.40%.

Dennis Doyle50 said:Hmm... 🤔 No, I don't have a security code! I'll just open a foreign currency account at JPMorgan Chase; that seems like the safest bet. When I pay online, I just enter the card number and the other details, right? I won't need a card reader or anything?
I assume I won't get the physical card right away—probably takes about two weeks to process—but I can start using it for online shopping immediately since all I need is the number, right?

You don't need a card reader, but besides the card number, you'll also need to enter those three digits located at the end of the signature strip on the back of the card.