Posts by darkmaker94

Dana Hughes3 said:alright.
any idea why you can't even use it online? like, what's the deal there?

And even if someone told you why, how would that actually help you?!

Stupid forum. ☕

A ton of people have already mentioned they’re using Wells Fargo's vis EL, saying they tried calling support or that the online banking is totally busted and missing the CVV. Honestly, if you want to deal with that kind of headache, go right ahead. ☕

You can make a deposit whenever you feel like it. I personally can't pull the trigger unless I have at least $33.

You don't even need to swing by Wells Fargo, since their Electron Bank card doesn't work online anyway. 😉

You can handle it online, or just swing by a local branch and drop the cash straight into the account.

With Bank of America Electron, you get the CVV on the back.
Yeah, the foreign currency account is way safer. You just load up whatever amount you actually want to spend, so once it's gone, it's gone. No one can hit you with unexpected fees because you can't go into the negative. 😉

Nah. She probably needs to enter a "verification number." Check the first page of the thread to read up on that. 😉

Bio. It worked. Thanks! 🙂

Does anyone know when the Diners Club register in Prague starts running tomorrow? Thanks 🙂

Yeah, Diners gives you access to $167. 😉

Frank Perez96 said:Can students working through a campus job placement service actually get a GO! card?
And honestly, I could use some advice on which route is best for me here.

I’m looking to pick up a laptop from $1.00, but I don't have the cash upfront. Plus, I need this thing ASAP for a new job. Which card would let me buy it on a student plan over something like 20 installments, and which one gives me the best deal?

Thanks in advance.

You can grab a student Diners Club. The annual fee is $17, and it basically works just like a standard Diners card. You can do installment plans on whatever you want (unlike that student American Express where you're capped at 3 items), and it works outside the US too (unlike the student Amex which is US-only). The main thing is having a parent set your monthly limit; otherwise, Diners sets it themselves at $333 (for example, I have $1667). They'll just need your last pay stub and their signature.
Anyway, check out www.dinersclub.com—everything is laid out there. 😉 Personally, I'm more than happy with mine. 👍

Edit: You can even pick up a co-branded Diners card from AAA, Bill, HOO, or Lions Club. After six months of use, you can switch it to a revolving credit line (though I wouldn't recommend that).

Finally, they actually processed it today (or at least that’s what my online banking says).

How long does it usually take for an online banking transfer from someone else to actually show up in my balance?

Most big-box retailers use Diners Club POS terminals that let you set up installment plans right there. These guys clearly haven't upgraded their tech yet, since they still have to call in for manual authorization.

P.S. Honestly, why didn't you just grab the camera at a place offering 12 months interest-free? A bunch of the major electronics retailers—like Best Buy or places like Vemil, HG-spot, and Technomax—are running promos on installments through July 31st.

P.P.S. You can find a full breakdown of the interest and payments here.

urbangardener said:I put in for my Diners Club card like two days ago, but there’s absolutely no PIN in the mail?!?!?

And then my buddy tells me I should have received the PIN by now too...

Plus, I honestly have zero clue what kind of credit limit they actually approved for me... 🤷

See, in my case, I got an alert first saying the card was ready and I should swing by Prague to pick it up. But since you're probably not in Washington, D.C., they just mailed it to you.🤷

Sophia Scott5 said:So they don't necessarily have to offer installment plans. Okay, that's what I was wondering.

One more thing—from what I gather, there aren't any interest charges if I use my Mastercard, right?

For example:
Let's say something costs $1170 if you pay cash, but it’s 10% more expensive if you use a card, making it $1300. If I want to buy it using my Mastercard over 12 monthly installments, am I just paying $108 for the next 12 months? Zero interest?
Or am I totally off base here... I really hope I'm not, but honestly, the thought of hidden fees scares the hell out of me.

If you’re just making standard purchases (not using an installment plan), you won't see any interest—unless you miss your monthly statement payment, but that's a whole different headache.
If you go the installment route, it really depends on the retailer and whether your specific bank offers it. For example, if a store says they offer 0% interest for 12 months specifically for Wells Fargo Mastercard users, then you're good to go if you have a Wells Fargo Mastercard. Other Mastercard holders might not get that same deal.

Example:
something costs $1170 in cash at the store, but it's 10% more expensive on card, which means $1300. If I want to buy it with my Mastercard on a 12-month installment plan, I'll be paying $108 each month for the next year, right? Zero interest?

Yeah, you'd pay $108 because that higher price already factors in the cost. But if you just bought it outright with your card in one go, you'd only pay $1170.

Sophia Scott5 said:Can I use a Mastercard to pay in installments at pretty much any store? Like, usually up to 6 months, or whatever they offer... some places do deferred payments, others do installments?

Installment plans depend on the specific shop (whether they even offer them and how many months you get), but you can get a one-month grace period everywhere since you're paying by card—the total just hits your statement at the start of the next month (or whenever you set it up).

That’s not even the same thing. To use a debit card—like a Maestro or Visa Electron—you actually need the cash sitting in your account, unless you have overdraft protection enabled.
The whole point of a credit card is that you're deferring payment for a month or breaking things up into installments, which you can't really do with debit (well, except for some specific options on a Bank of America debit card now). Basically, you don't need the money upfront. With a credit card, you just buy whatever you want whenever you want (and pick your own installment plan depending on the store), and then the total hits your bill at the end of the month. If you go the revolving route, you just choose your interest rate.

Plus, anyone over 18 with a standard checking or savings account can grab a debit card, whereas getting a credit card requires you to show steady income or have some cash tied up in a CD at the bank.

Drew Castillo8 said:Thanks so much for the help!!!!! So, does this mean I should go ahead with the charge card? And just out of curiosity—if I don't clear the full balance by the end of the month and carry it over, what’s the actual fallout? Are we talking about them freezing my card, or could they come after my paycheck?

No worries.😉
First, they'll send you a notice (and they'll charge you for that, too). After that, they start hitting you with late fees and interest on the debt—I'm not sure of the exact rate, but it's probably north of 10%. If you keep dodging payments, they'll eventually shut down your card.
Of course, if you have an autopay set up to pull the balance from your checking account (assuming it's a Visa or Mastercard), it’s pretty hard to fall behind—unless you stop getting your paycheck deposited into that account—because they'll grab those funds first to cover the cost.