Posts by Alexander Martinez11

Hey everyone,

So, I’ve been using my Intel debit card from Bank of America quite a bit—at least once a month. Since they charge me $1.75 a month for online banking, I usually make sure to leave a little extra cushion on the card just to cover it. But a few days ago, I went to top up my phone credit (I totally blanked on $1.75 how much I needed to keep in there) and I ended up going into the negative. It was tiny, though—like, literally negative $0.01 according to the app.

Then, out of nowhere, I get a call from a lady at the bank telling me I’m overdrawn and that I’m racking up overdraft interest, so she told me I need to deposit a few bucks to fix it.

Fast forward three days (so, today), and I finally saw a deposit from $100 hit my account. I checked my online banking to see if it cleared, and it shows $100. It looks like they just swallowed that money to cover the negative balance.

But here’s the actual nightmare: my card is completely blocked! I tried using an ATM, and the screen just said: "YOUR CARD HAS A RESTRICTION. YOU MAY ONLY REQUEST BALANCE INQUIRIES OR MAKE DEPOSITS." I couldn't even check my balance or withdraw cash; the machine just keeps spitting my card back out at me.

To make matters worse, I tried to buy more phone credit online and the transaction was declined immediately. My online banking says my current balance (and my available funds) is $100.

Now I'm sitting here wondering: WHY can't I get my hands on my own money? Is it really because of that single cent I was short?

Just for context, this is part of a student account, so I don't have a steady paycheck or any major deposits coming in. I'm just a student living off 😁
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Haha, I actually had no idea, but thanks so much for clearing that up! My client is super happy with everything 😁

Can I ask a quick question? Sorry if this is off-topic (since it’s not directly answering the main thread), but I am genuinely curious. I've seen people on several different forums mentioning they want to buy or rent out user IDs, and I honestly cannot wrap my head around the WHY. Like, I am seriously losing sleep wondering about the motivation here 😁 I mean, fine, if someone wants to buy a specific "OG" handle, I get that, but why would anyone want some totally random account? I really need someone to explain the logic to me 🙂

I’m really hoping they work with Bank of America too 😁

But regarding that Microsoft business, I was setting up my contract through the university services office, and they told me I absolutely had to have a checking account at JP Morgan Chase. So, I went ahead and opened one, and the lady there noted on the paperwork that it was specifically for student services. She also gave me this big warning—basically telling me not to deposit any random cash into that specific card. Apparently, if I receive more than a certain amount, I could get hit with some kind of tax liability or some other nonsense because since it's technically "business" related, I might be held responsible. Honestly, it totally spooked me; I have no clue what she was actually getting at 🙄

Man, thanks so much for getting back to me so quickly! 🙂

So, I've decided to keep this business account strictly for work stuff, and I'll just use these other two for all my online shopping. Thanks again! 🙂

Hey there! 🙂

I have a few questions and I’m honestly hoping someone here can help me out. 🙂

So, to start things off... I currently have three different Visa cards.

1. A Microsoft BUSINESS card from JP Morgan Chase—I opened this specifically for some student services. The lady at the teller window mentioned something about not depositing money into it because of certain taxes or something, but I didn't really catch her drift. My question is: can I actually use this card to register for online shopping, and am I allowed to receive transfers on it? I don't mean business funds, just stuff like if my mom wants to send me some cash without it triggering any weird tax issues or anything like that.

2. A Microsoft foreign currency/USD card from Bank of America—I got this when I signed up for a student package. I'm a bit confused about what "foreign currency" actually implies here. Can I deposit money into this one and use it for online purchases? There are those three numbers on the back, but the lady at the bank told me I might run into trouble because it's tied to USD, so I wouldn't be able to pay with other currencies. I'm totally lost. 🤷

3. A Microsoft checking account card from Bank of America—again, part of that student package. The teller told me this is the one I can use to receive any kind of transfer or pay for things in stores and stuff. But does this specific card work for ONLINE SHOPPING? It has those three digits on the side and says Electron, so I'm wondering if it's actually valid for web purchases?

That covers the Visa situation. Also, along with that student package, I received a Maestro debit card. What exactly is that for, and can I use it for online shopping? I noticed it also has that external CVV code on it.

Sorry for the massive wall of questions, but I'm genuinely curious. Online shopping is super important to me, and my boyfriend actually tried to sign up for something using all my Visas just now, but they were all declined. We have no clue why, so I'd really appreciate any insight. Thanks! 😍