Posts by Nathan Booth53

Look, if you read the actual guidelines, there’s nothing saying you have to be trapped inside four walls during quarantine. The bottom line is just staying put—meaning your house, apartment, or backyard—while keeping at least six feet of distance from anyone else and staying on top of hygiene. I actually lucked out because we have an unused guest house behind our place, so I’ve been doing my thing out there; thank God today is the last day, so I’m moving back into the main house tomorrow. Honestly, I kept myself busy working; since we have two separate yard areas, one attached to the house and another fenced-off area, I spent all my time out there cleaning up, mowing, pruning fruit trees, chopping wood, and clearing out the drainage ditches. If I hadn't had all that to do, I probably would've gone stir-crazy stuck indoors.

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Hey everyone. Does anyone happen to know when this month's stimulus checks for the third round of lockdowns are scheduled to hit?

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darkmaker94 said:It’s not like they just do it out of nowhere. If you’re using their mobile app or online banking, they’ll send you a notification about any fee changes or overdraft limit cuts at least a month in advance.

I haven't received anything in the mail. Looking through my JPMorgan Chase notifications, I see four entries: a welcome message, some stuff about aligning terms with federal regulations, minimum requirements for iOS, and the last one was regarding some Samsung device. To be honest, the money isn't even a huge deal for me since I always keep cash on hand, but my blood pressure absolutely spiked from the sheer embarrassment of having my card declined at the grocery store checkout. Back when I used Bank of America, you actually had to show up in person every year before your overdraft or credit limits expired to renew them, and they’d always mail a notice to my house. Here, I didn't even ask—they just approved it themselves, so I wasn't even looking out for it.

It all feels a bit trivial to me, honestly, especially considering some of the stories I've read on this forum—plus, their bank was bumping up my limits without a second thought! If they had been stretching out my installments over several months, I might have understood, but everything was always settled within the current month, so why pull the plug like this without any warning!? On one hand, it actually works out for me right now. I already have a meeting scheduled with them tomorrow regarding a mortgage, but now I think I'll just close my account and head over to Bank of America instead. I spent 12 years with Wells Fargo and never had a single issue, then I switched to JPMorgan Chase because of a former employer, only to have them treat me with such blatant disrespect. I'll pay off my balance and say goodbye.

So, my balance hit zero, and instead of just leaving the overdraft alone, they converted the negative amount into some kind of installment loan from $32/mo over 12 months. To make matters worse, those $1000 for the payments aren't showing up anywhere. I've been digging through my Gmail for ages and can't find a single notification about this. I have everything set to digital alerts rather than paper statements.

rapidskipper12 said:I don't know, just head down to JPMorgan Chase tomorrow and check... Are you sitting at zero today? Was James being messy about which specific product it was?

Whatever, they definitely should've sent you a notice about the overdraft extension ending and the installment plan for it anyway.

I was actually planning on heading down to the bank tomorrow to get some clarity on the situation. It wasn't a mess; everything has always been settled within the month. Occasionally, an installment might hit on the 12th when I didn't have the funds, so it wouldn't clear until payday on the 15th, but for the last two or three months, the account has consistently stayed in the black. We spent a little extra this month on Christmas and some random household stuff, but I'm telling you, since $4000 was approved (6 installments and 6 for cash), the total spent has only been $1333!

It’s pretty standard for my paychecks to hit on the 15th and the 20th, along with those extra bonuses around the holidays, totaling roughly $7667. Given that my income has been steadily climbing over the last few months, I find it almost comical how they just decide to cut off my overdraft protection without so much as a heads-up.

rapidskipper12 said:Does your statement show that newly approved overdraft yet?

My mobile banking app showed an authorized overdraft through January 5th, 2019, because the system automatically renewed it back in 2018. I hadn't actually requested that extra cushion, so I just assumed the bank would keep rolling it over, but clearly, I was mistaken. It wasn't like I was maxed out—just had about $1000 on installments and maybe $333 in my checking account once you factor in the approved $4000 limit—but I definitely took a hit at the grocery store today when my card got declined. Honestly, I turned bright red. It’s a good thing I happened to have some cash on me!

Does anyone know if you actually have to show up in person at JPMorgan Chase every year just to extend your overdraft limit? I was using my card without any issues yesterday, but today I’ve hit a massive wall. My credit line was cut off—up until May 1st, the mobile app showed the approval was still valid. I assumed since they approved it automatically once, it would just roll over on its own, but clearly, that isn't how things work here.

Hey everyone, does anyone know how JPMorgan Chase decides on overdraft limits based on account activity? I usually hover around $12$5000 a month, and I’ve never actually requested an overdraft or anything similar just to pull some extra cash—I don't go looking for it—yet suddenly I see an approved credit limit $1967? My JPMorgan Chase app says it was approved on January 15th, though I didn't even realize because it doesn't show up in my balance on the main dashboard; you can only see it if you dig into the transaction details!

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Thanks for the input; I'll pass it along to him so he can hopefully pick up a few tips.
The cable won't be an issue since my neighbor lives right across the street and his router is basically on our side of the property line—we could just run the line out to the patio while the router stays right in the living room. Even now, I get a signal on my phone, though it's pretty weak, so using an extender should definitely do the trick.

Hi, I have a quick question for the experts out there. My brother is planning on splitting an internet connection with his neighbor, so I’m wondering what kind of router would work best to receive a signal and then redistribute it via Wi-Fi. One thing to note: the receiving antenna can't be fixed, because I'm planning to give him my old outdoor antenna—the one I used for microwave links back in the day—so he can mount it on the exterior of the house and run a cable directly into the router. If anyone has a link to a retailer that stocks something like this, I'd appreciate it. Thanks.

I had a 3% loan, but I closed it out after a year because I finally had the cash and wanted to clean up my credit score before applying for a mortgage. Look, when you need money fast and don't want to deal with the bureaucracy at Chase, you can just walk in and get funded in a day. On that $25k, I basically turned it into $45k, so I didn't mind swallowing a bit of interest—it's not like this was my monthly salary or anything. It was just quick capital for materials and other random expenses.

In my opinion, Chase is currently the top bank in the US. I’ve been a member for 13 years now, and while I can't exactly claim to have been the most disciplined client during that decade plus, I truly have nothing but praise for them—they are incredibly easy to deal with on a human level. I’d also add that they are easily the leaders in tech; you can practically handle everything online, from cards and loans to managing overdrafts...

Honestly, if you can't pull that kind of money from a major bank, I’d suggest looking into a reputable local credit union instead. Sure, the interest rates might be a bit higher, but as long as you stay on top of your payments, everything is completely transparent and stress-free. I’ve used a credit union back in the Midwest a few times—specifically ŠKZ sjenica—and I never had a single issue; everything was notarized and I had the cash in hand the very same day. I’ve taken out loans up to $3333 before, paying roughly $2,000–$3,000 in interest each time (which I know sounds steep, but when you're in a pinch, you don't really have a choice), and last year I took out $8333 and finished paying off $10333 within a year. I could have just borrowed the money from a relative to dodge the interest, but you never know how life might throw a curveball at you. Personally, I’d much rather owe a financial institution than a family member; you don't want people spitting on you in the street or acting like they don't know you just because you couldn't meet an informal agreement. Some might call me foolish, but I see it this way: business is business, and family is family, and I try my hardest to never let those two worlds collide.