That doesn't actually answer the question.... what's the deal with "different branches of the same bank"... for a single transaction handled right there at the counter... how can one part be a deposit... while the other side shows up as a withdrawal from his account and a deposit into yours?
So, how exactly did he move the cash? Was it a direct transfer from his account to yours via online banking, or did he pull out physical cash just to hand it over? I mean, if this happened at a teller window... was it a cash withdrawal followed by a deposit into your account?
Once Chime pays me $83 for the referral, I send the full $83 straight back to you. That means you walk away with the whole $83. Just shoot me a message once you've finished signing up.
The fine print is in the link, but here's the gist:
You'll need to set up an account, order a physical card, link it, move some cash over, and make 3 separate purchases of at least $8.25 each.
Once Chime pays me $100 for the referral, I send the full $100 back to you—basically, you walk away with the entire $100. Just shoot me a message once you've finished signing up.
The fine print is in the link, but here’s the gist:
You'll need to set up an account, order a physical card, link it, move some cash into Chime, and then make 3 separate purchases of at least $8.25 each.
Sign up for PayPal using my link and you'll snag $10—that’s $5 from them and $5 from me—plus a month of 1% cashback: https://www.paypal.com/join#DX2W6YPN
Honestly, I haven't a clue. I don't chase referrals and I definitely don't make a profit off them. It's common knowledge that I pass along every single cent $83 Chime awards to whoever signs up through my link. Whether Chime gives them something extra on their end, I have no idea. (I swapped out my previous post above because I didn't want to mislead anyone...
You get at least $83, maybe some extra perks from Chime, plus $83 from me (once they actually drop my $83 referral bonus). Shoot me a message once you've signed up.
The fine print is in the link, but here's the gist:
Set up an account, order the physical card, link it, move some cash over, and make 3 purchases of at least $8.25 each.
Just answering my own question here—maybe this helps someone else too. The refund doesn't actually go toward your monthly subscription; instead, it works like any other major bank where they just lower your installment amount. The catch? It takes JPMorgan Chase about 30 days to "sort it out," whereas most other banks handle it within a week, tops.
Other banks or credit card companies usually just apply partial refunds directly to the transaction and knock it off the monthly payment... for instance, instead of being $67 it becomes $10... and so on. Right now, this notice says I owe $133 by December 20th... despite the fact that there's an overpayment sitting there. It makes zero sense that the same bank would send me a bill when they already have my extra cash. Honestly, it feels like JPMorgan Chase might actually be the worst bank out there.
What the hell... I'm still getting used to this card. I bought something on an installment plan—12 months total.
9 months in. Total was 3500... monthly payment is about $67. 9 months in, 3500 total, monthly is roughly 124 miles.
$133. To pay off in 10 months, I owe .$133 To pay off in 11 months, I owe . By month 11, everything should be settled. Then a refund of $833 hits for one transaction and 2500 for the other.
Now I'm getting a notification saying for month 12 I have to pay .$133
So basically, they didn't lower the monthly payment at all. It's the exact same amount. My question is: where did the $1667 refund actually go? Why hasn't the monthly payment been reduced for either transaction? If that money went toward an overpayment, am I still stuck paying the full $133 bill this month, or does it just deduct from that $1667 credit? They aren't being clear about this. P.S. My available credit actually increased by $1667 because of this.
When it comes to the US, it’s the same old story: you have to actually read the fine print instead of just assuming things. You aren't the only one who fell for this; I remember some folks on here back in the day who made the exact same mistake. But look, if there's no way out, you're stuck paying up. The contract is legally binding, plain and simple.
I was actually surprised by how cheap this turned out to be. Laqo is offering me almost $333 lower rates than they did last year. Quick question though—since we're talking about Laqo in the States, do you still get those solid credit card deals with them?