Andrew Wells58 said:I don't know, I actually signed up for American Express a while ago because it’s handy for receiving small transfers, like reimbursements or stuff from Craigslist. You can top it up at any local newsstand, a gas station, or just grab cash at a JP Morgan Chase ATM or a convenience store. As for the card, I'll have to see. It sounds interesting if I can use it on AliExpress, PayPal, and things like that. Maybe it's good for kids' pocket money when they go out, though I'm not sure if they can open accounts themselves.
I liked it better than Chime, honestly, mostly because setting up the account was faster and easier. Though, I didn't spend a ton of time digging into how Chime works.
Basically, it’s nothing to write home about, but for me, it handles some of my practical needs quite well.
The first option really ought to be better since there are no fees. Meanwhile, American Express hits you with pretty hefty charges just for sending or withdrawing money.
I caught that commercial on TV once, but honestly, it didn't move the needle for me. I wouldn't have bought anything based on that ad—mostly because I couldn't even tell what they were actually selling. It didn't make it clear that you could just grab it from The New York Times, activate it on the spot, and start using it right away...
When it comes to physical cards, half these fintech apps make them feel totally unnecessary anyway since you can just toss a virtual card straight into Google Pay or Apple Pay. It’s way faster—you don't even have to step foot out the door... 😉
analogjackal11 said:My first attempt at topping up Venmo:
1. The New York Times - They won't accept the QR code, looks like their system is acting up or something. 2. Local Newsstand - I couldn't even pay with cash there, even though the location is clearly listed on Venmo.
🤦
All I see on my end are The New York Times, ExxonMobil, and Typhoon... nothing about those newsstands.
Using just a phone? I’m talking about those times when you're trying to link cards to a fintech app for a top-up. Take Chime, for instance—they used to demand that the card wasn't prepaid, that it was a physical one, and that it actually matched your name. To verify it, they had me snap a photo of the card where you could see my name and the last four digits (you have to cover up the rest)... I don't know if they still do that. Then there's Apple Pay, which also wants everything in your name, but as far as I know, they aren't as picky about virtual cards, so I'm not even sure how the verification process works for those. Even Cash App asked me to take pictures of the cards I added, though they didn't explicitly say my name had to be visible... honestly, who knows how they'd handle it if it wasn't a physical card in the first place.