Kevin Morris12 said:I don't see why paying a bill wouldn't work, provided you actually have enough funds in your account, right? 🤷
To build on that, Venmo isn't playing nice with my Wise card (not directly, and not through Curve either—which makes sense since Curve passes along the original MCC codes now). It just keeps throwing a "you're not allowed to make this type of payment" error at me. Same exact thing happens when you try to pull cash from an ATM using Curve (whereas it works perfectly fine with Revolut or my Citibank Visa card, showing up as a standard transaction). I still need to test out Email payments or trying to pay a bill at 7-Eleven, but honestly, I've got a bad feeling it’ll be more of the same...
So, I finally went ahead and opened that BofA account (took them a week to call me back, and yeah, I actually had to drag myself down to a branch). Their website makes it look like receiving international wire transfers is a breeze, but then I look at the actual paperwork they handed me for incoming wires and it says it’s not even an option. Has anyone here actually tried pulling money in from overseas yet?
Stuff like this is always labeled as "controversial" (whether you're here or abroad), which is why you don't see many services actually offering it. Take Curve, for example; they have strict limits on withdrawing cash against a linked credit card, and if they even suspect you're trying to recycle cash, they'll freeze your account in a heartbeat. Chime is pretty much the same—their terms explicitly forbid using it for credit card cash advances, though I'm not entirely sure how hard they actually police that in practice...
USPS splits their bills into three categories: 1. You can't pay them at all. 2. They only accept debit cards (here's the list). 3. Any card works.
The restrictions on 1 and 2 are basically there to stop people from doing cash advances or credit card kiting schemes.
For category 3, Revolut and Wise work just fine, but they fail for category 2. The system keeps insisting that only debit cards are allowed. I spent way too much time arguing with their support about this, trying to explain that a Wise card is actually a debit card, but I didn't get anywhere... I can't figure out what the issue is. Maybe it's because it's an international card, or maybe their algorithm is just broken and thinks every Mastercard is a credit card, or something else entirely...
It would be useful if someone could try paying one of those restricted accounts using an American debit Mastercard (like one from Wells Fargo)...
Kevin Morris12 said:JPMorgan Chase should really just act as their local partner for support; I highly doubt they’d restrict everything strictly to their own Mastercard. It reminds me of how a shop in Beverly Hills might run ads everywhere promoting Mastercard payments, only to display a Bank of America logo right next to it—maybe even offering some kind of sweepstakes. In those cases, you can swipe a Chime card, use Twitter, or even a Revolut card, and the terminal just spits out the receipt for the contest perfectly fine. 😁
It ought to be a standard transaction, and honestly, you should always decline Dynamic Currency Conversion if you're entering your PIN.
Wait, so USPS doesn't work for American Express? That’s strange—I actually just used my American Express via USPS about 15 minutes ago using Maestro 🤔
Maybe give Visa or Chime a shot, or just stick to a standard credit card... 😉
Mainly because JPMorgan Chase isn't exactly being vocal about any of this. Here’s what I’m wondering: 1. Does it even work with foreign cards? 2. Are we talking a standard transaction here, or is it a cash advance? 3. Is it compatible with all account types (like those where things like Apple Pay might fail—say, an American Express card)? 4. Will it try to hit you with DCC in GBP, forcing you to make sure you decline it?
Why even bother putting this on the website? What’s the point of grinding through some massive hundred-field online form if I still have to drag myself down to a Chase branch just to sign everything in person. It’s redundant... The branch isn't even on my way. The only reason I was even looking into this was because I thought it would actually save me a trip...
Anyone here actually used the b-free savings account? It claims you can set everything up online without ever stepping foot in a branch. I filled out the application on their site yesterday, but so far... nothing. Just radio silence.
I’ve got a hunch these audits are totally random, or they're running some secret algorithm that nobody's privy to. Some people get hit early, others later, and some folks just fly under the radar forever. They actually flagged me for ID verification on my Venmo account, mostly because I moved a chunk of change all at once...
Well, looks like you're completely out of options then. For American Venmo accounts, you've only got two ways to pull your cash: straight to a Visa card or via a US bank account.
So, if I'm following you correctly, you've got two different radios where the USB ports just died on you at the exact same time, and you've already ruled out faulty drives by testing them with several different sticks?
Yeah, they’re offering DCC in pounds because the card is issued in the UK. Just a heads-up, you can pull out up to about $250 worth of cash every month without any fees, but once you hit that limit, they’ll slap a 2% commission on you.