Posts by darkmaker94

I used to have a dynamic portfolio, but I switched over to Mobile Banking once it dropped.

I feel like JP Morgan Chase is definitely the stingiest. Ever since I started getting my paycheck deposited there, they’ve never let me overdraft more than a single salary—sometimes even less than that. Maybe it’s just because I don't really push my luck with it.

Regarding what it says here, I’d say you can definitely request an audit.

"Your rights are as follows:
If we're processing your data within the OSR system, you have the following rights regarding us as the data controller:
1. Right of access to personal data
Regarding any info processed in the OSR system, you can ask for confirmation as to whether your personal data is being processed and request a copy of that data if it is indeed being processed.
...
You can exercise these rights by submitting a written request in person or through an authorized representative at any bank branch.
Additionally, you can submit a written request for data access to HROK at 17th Street, Washington, D.C., provided it includes your verified signature (for example, notarized)."

If you opted for email delivery, it cost $13, and it looked something like this. 🙂

Honestly, you can barely get anything done online with JPMorgan Chase; you pretty much have to drag yourself down to a local branch for everything. 👎

coastaldrifter6 said:I've got a few questions regarding this card:
- How many transactions actually need to go through before they start showing up on my JPMorgan Chase app?
- Is it possible to change my PIN right at an ATM?
- Is it standard practice for them to set the default term to 36 months even though I specifically asked for 1? (When they told me the card was approved, they mentioned I’d have to file some sort of formal request if I wanted the single-month option—apparently, you can't just switch it immediately upon issuance.)

Usually takes about 24 hours.

Is it normal that they set the default to 36 installments even though I asked for just one? When they told me my card was approved, they mentioned I’d have to file some kind of formal request if I wanted a single payment, claiming it wasn't possible right at the moment of issuance.

I think it’s totally normal, but honestly, it doesn't really matter what you think since nobody's stopping you from just paying off your full balance next month anyway. That's how I always handle mine. 🙂

So, has anyone else tried asking for a credit limit increase on their Apple Card? I put in my request back on May 22nd and still haven't heard a single thing. 🤷

I sent an inquiry to Bank of America a few days ago about how they handle data in the cloud, but I'm still waiting to hear back.

mellowhawk33 said:Just trigger the verification process one more time and it should clear right up; you'll end up talking to a different agent who will send over your PIN.

I would if I could, but the app just froze on that screen. It’s totally stuck—can't go forward or back. 😬

Kevin Morris12 said:@mokry

Do you have anyone living over in Germany? A cousin, a buddy, or even just an old friend who wouldn't mind letting you use their address just long enough to receive a debit card? Honestly, that’s probably your smoothest and most straightforward path to getting an N26 account set up.

If that's not an option, you could try using a service like tiptrans.com. You can use a German address through them, though you'll end up shelling out about $20-$30 to have them forward the card back here to the States.

A third quick fix would be going through Canada, but keep in mind you'd only be opening a Canadian account, which tends to be a bit more limited than the German version—they don't always roll out every single feature to every market. Personally, I wouldn't bother with that route because they'll almost certainly prioritize the German market over everything else, but hey, it works. You basically just enter your US details and then select Canada as the country.

For any of these methods, you still use your actual American info—your real US phone number and everything. N26 is perfectly fine with American ID documents, and they don't demand proof that you actually reside in the country where you're opening the account. For a long time, they marketed themselves specifically to "digital nomads"—people who aren't tied down to one spot but just need valid documentation from a supported country (which includes the US) and a local address to ship the card to. When you sign up, that's listed as your "shipping address," not your permanent residence, so you aren't really being deceptive during registration at all.

I followed all the steps—picked a US account, filled out everything, sent over my ID—but then I got an email saying my verification failed and told me to hit up customer support.
Now the app is just stuck on this screen and won't let me move forward. Every time I tap "continue," nothing happens. 🤷 😬

https://ibb.co/kSNrrf7

Tried reinstalling and signing up again, but it keeps throwing an error about my info already being in the system (probably because the app cached it) and telling me to contact support again.

I’m still scratching my head over how you managed to get that account open. I followed every single instruction to a T and still couldn't make it happen. 😬

Wouldn't it be way easier to just pay a day early so you don't deal with all this headache? 🤷

Anyway, here’s the breakdown of what triggers a report to the Department of Corrections:

1. The overdue balance hits $250 or more, plus the payment is at least 61 days late, and
2. The client isn't meeting their due obligations on time, or
the account gets canceled because they aren't paying up, or
the debt goes to litigation, or
the debt is covered by insurance, or
the debt is sold off.

Did this new version of HROK just hit us?

Users of the credit registry system (the core database used by major banks)

Kevin Morris12 said:@darkmaker94 - I think you might have misread the fine print somewhere. Documents from practically all over the globe are accepted—it’s explicitly stated on their website, and they even provide a full list of the countries whose IDs they recognize. You just need to provide a valid address within the country where you're opening the account so they have somewhere to mail your card.

Did you even manage to get through the video verification step yet? And which country did you end up selecting?

I followed the instructions to a T. I picked Canada and used an address like the guide suggested. For everything else, I just used my own American info, uploaded my ID for verification, and got that email the very next day. 🤷

I have no clue how you guys managed to open an account using American documents. I gave it a shot and just got this email:

"We’ve reviewed the information you provided and we must inform you that according to our current verification procedures, we’re unable to offer you a Chime bank account at this time.

Thank you for your understanding and your interest in Chime.

Kind regards,"

analogjackal11 said:You got any more info on this?

I don't have much to go on, honestly. I just spotted those stickers at a few of their stations back in November, and I've been Googling about it ever since, but nothing's turned up yet. Still, looks like a pretty cool option to me.

They've been saying "coming soon" since last November. 😁

I was grabbing some tickets at Ticketmaster this past Saturday using Stripe—different card though—and ran into the exact same issue you did. But I just got an email from them explaining they were hit by a DDoS attack, which caused all the transactions to fail.

"Dear Customer,
Due to a DDoS attack this past Saturday, our Stripe services experienced significant disruptions. Please note that the target of the DDoS attack was not ticketmaster.com.
We apologize for any inconvenience. Attached is a confirmation from the Stripe app regarding the cancellation of your transaction.
Please check your bank statement for updates."

Your best bet is to just reach out to Stripe directly.

Frank Flores3 said:Hey everyone 👋

I was wondering if anyone could help me out because I just picked up a brand new phone, and I’m running into a bit of a snag since the option to "transfer my Chase mobile banking to a new device" just isn't showing up anywhere in my settings...

Does anyone know how I can go about getting a fresh identity and activation key sent over to me so I can actually get back into my account...

If you had the latest version of the Chase app on your old phone, you don't even need codes or keys. Just download the app on the new phone and log in with your usual PIN, and you're good to go.

ironcyclist58 said:Email doesn't work for private accounts, and even for some business ones, credit card payments are super limited—you can only use debit cards, and honestly, some accounts just won't take anything at all.

I’ve never really understood why some companies restrict or completely dodge using Email for payments. At first, I figured they were losing a cut because the payment processor takes a slice, but that’s not it—they actually get the full amount paid. 🤷

It’s not like they just do it out of nowhere. If you’re using their mobile app or online banking, they’ll send you a notification about any fee changes or overdraft limit cuts at least a month in advance.