Posts by Brandon Harris48

Does anyone know what kind of limits they set when you apply for a credit limit increase on a Walmart card?

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leky, I haven't actually used my master since I set up this new banking app, but I assume it should show up right away. I'll let you know if I run any transactions with it 🙂

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There’s no way they’d just hand him $4,000 for nothing; that would basically mean they aren't making any interest on it at all.

That's his spending limit, so if he uses the card, he'll have to cover the costs...

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Anyway, they offer two different packages—one is $13, and the other is $27. Honestly, I have no idea what exactly you're being charged for.

I actually carry two master cards myself; one is the Walmart one which is revolving, and the other is a charge card with that $333 limit they typically set by default when you take out a line of credit. I only used the one from $333 for a single online order. Everything has been paid in full since day one, so I assume they'll approve me soon.

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Compared to Goldman Sachs, this new JPMorgan setup seems better to me (though I haven't used George yet, so I can't say for sure).

Yeah, they say it's integrated with online banking, but there aren't really any options available yet. There's no built-in token in the new app, but they mentioned everything is still in development, so I assume it'll show up soon.

After I sent an email asking them to enable it for me, I got an automated response and a notification in mobile banking. That was it—I just had to enter my old mobile banking PIN and set a new one. Now both versions are working at the same time.

It’s actually pretty great how you can see card transactions the very second you make them.

I've had an overdraft limit equal to two paychecks since my first deposit back in November. Now I've requested to have it bumped up to three. I haven't actually used the overdraft yet, so maybe that's why...

I actually tested what you said at the ATM yesterday. It just said "transaction declined" or something similar; I only realized they hadn't approved it because I clicked to check my Maestro installment balance.

Wait, so you have a three-paycheck overdraft, but you don't have the Green or Orange package that allows for that 300% limit? I asked if canceling the package would drop my overdraft limit on my $0.00 account down to 200%, but they wouldn't give me a straight answer—just some "better to keep the package" blah blah blah. I'm just curious if they'll actually reduce it if I cancel.

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Does anyone know when they actually approve the Mozart installment plan? Someone mentioned that once you have three paychecks hit your account, the approval happens automatically. I just had my third paycheck land this month, but I haven't seen anything yet (checked both online banking and at the ATM today).

Also... they finally let me install the new mobile banking app, and honestly, it seems pretty solid so far.

One of the new features is the instant display of card authorizations. It shows up as "pending" as soon as you click into the transaction. You don't have to wait two or three days for them to post it like you did with the old app—though the total balance would decrease immediately, it was always a bit clunky if you had a lot of transactions and couldn't remember exactly what you'd spent money on.

Another thing I noticed is that you can upload payment codes directly from your photo gallery, which is a nice touch! It looks like they might actually be getting things right for once. 🙂

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Great. Thanks

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How does the billing work for the Visa Walmart card? It’s a revolving credit line, but I picked up a coupon for Walmart if I use it for my purchases.

I really don't want to trigger the revolving interest, so I'm not sure at what point the balance starts getting split up versus when the full amount hits my statement... Or can I just pay off the entire balance myself regardless of how they bill it, so I avoid the interest charges entirely?

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Also, I haven't seen any emails come through since this morning, which seems a bit odd to me...

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Did you get an answer yet?

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It might be best to just ask them directly, since I doubt anyone here will have that specific information. There probably aren't many people on this forum who bank with JPMorgan Chase. If you just copy and paste that into an email, you should get a response by tomorrow morning; they're usually pretty quick with their email replies.

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boldtrucker15 said:Has anyone recently gone through the process of getting a personal loan at this bank? My paycheck currently hits an account over at JPMorgan Chase, but I’m more than willing to switch my direct deposit here if it helps guarantee an approval. I’ve been with the same employer for three and a half years now—contract work, but steady

You basically described my experience from two months ago, so you might want to scroll through the thread. Generally speaking, they don't tend to approve loans for contract workers, but I suppose it's worth checking just in case.

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analogjackal11 said:They’ve definitely leveled up their look lately.

I just received an email about this, but I don't see any app update available, nor is there anything prompting me to accept the changes within the app itself. Is this rollout limited to Android or is it on iOS too?

From what I gather, this is going to replace that specific online purchase PIN that used to be unique to every single card, right?

@Joseph Turner36 You can find the link to my detailed experience with them on the previous thread. I have nothing but praise for their customer service—it's pretty much how most smaller banks operate. I don't have any complaints so far, aside from the long wait to get my Mastercard delivered by mail (about a month, though that might just be due to the pandemic).

Huge shoutout to the JPMorgan Chase branch in Indianapolis—highly recommended. I’ve detailed my entire experience in this post: