Posts by Robin Allen8

"Everything is out there now—since you clearly have internet access, just Google some banks and credit cards yourself."

I'll get right on that, thanks for the tip. By the way—any chance you could tell me how to put that little profile picture next to your "name"?

It’s just mediocre. Honestly, I might as well hold off on buying anything until next month👎 — wouldn't want to look like an idiot.
Since nobody seems to take checks anymore, I probably need to close my Intel account ASAP and try to snag a Diners Club card instead. Though, God knows what the requirements are for that one.

ironsurfer8 said:Hold on a second, how can you have anything on a Visa? It’s either a credit card or a debit card. If it’s a credit card, you might have a set limit—which usually implies you have a steady income to cover the bill, even if you don't have the cash sitting in your account right now.
If it's a debit card, you just have whatever funds are in there to spend, and you can't go beyond that (unless you have an authorized overdraft, like with some Maestro cards). As for installment plans, those are typically available with Diners Club or American Express. You rarely see them with Mastercard or Intel, but honestly, that depends more on the specific store and their agreement with the credit issuer rather than just the card itself. And of course, those payment plans can come with interest or be interest-free.

Which bank issued the card?
Are you perhaps using that Intel debit card from Wells Fargo? If so, despite the "Visa" branding, it isn't actually a credit card, so you won't be able to use it for installments or any kind of credit.

If you're really looking to split a purchase into installments, your best bet might be asking a family member who carries an American Express to make the purchase for you. Then, you could just pay them back in two chunks. It’s generally a safer bet that an Amex will offer installment options, though, as I mentioned before, it ultimately comes down to the merchant's policy.

It's a credit card from Wells Fargo; my limit is $1667 and I've got an extra $233 in overdraft. I know not everyone does this, but some places allow installments—so how does that actually work? Do you need the full amount upfront, or as long as you have enough for the first payment, you're good? (Assuming, obviously, you'll have the cash for the next one next month).

Hey everyone, I’m not really sure who to ask here—I have a Visa credit card and want to buy something using an installment plan, but I don't exactly have the cash on hand. I have enough to cover maybe one installment, so I'm wondering if the transaction would even go through? The total is $433, and I currently have $233 available. Would it clear if I tried splitting it into two payments? I don't want to look foolish—I've never used an installment plan before, so I'm still figuring out how the whole system works.