Posts by darkmaker94

Yeah, it showed up on Friday. I moved some cash over to $1667, and since my Visa limit is $1333, I'm good to go.

The tech crowd usually gets more options—like up to 12 interest-free installments—while the retail side typically caps it at about 6 months. It really just depends on how much the total comes to. Honestly, it all comes down to which store you're hitting up.

There’s zero interest involved—unless you miss a payment, then they hit you with a 14% APR. The number of installments depends on the retailer. That bit about three payments isn't right; I actually split a TV purchase into six monthly payments.
Just a heads-up, your limit is $667, and those installment plans eat into that total, so you can't go over $667 for anything.

Yeah, your limit is $333.

Shrink the image.

Then you get nothing from the card, and now you can ask God why. Maybe people started running up costs without paying them off, so they tightened the rules a bit. 🤷

You should get a letter with your PIN in the mail, then just head over to the branch where you opened the account to pick up your card.
By the way, did they approve you for an $333 overdraft protection?
It’s honestly weird they didn't give you an American Express, since it seems like they auto-approve it for any regular student who signs up for that starter package.

So, did you end up opening that checking account?

Have you ever actually had an account with them before?

Super weird. Did they let you overdraw by $333 on your checking account and give you a Maestro installment plan up to $333?

Are you a full-time sophomore or junior?

Between the withdrawal fees and then getting hit with interest on whatever you pull out, any little discount you might have saved at the store just gets swallowed up anyway.

The same thing happened to me just a few days ago. I was sending a package from one part of Washington, D.C. to another (sent it from the post office on Jury Street), and it just wouldn't arrive. I told the guy I was sending it to to just swing by his local post office and check if there was anything waiting for him. They told him nothing was there, but said not to sweat it because it would just end up being returned to me after five days anyway.🙄
It actually got sent back to me last Thursday, so I just shipped it out again immediately, and it reached him the very next day.

You don't get cash discounts on credit cards (which makes sense).

It’s a bit smarter than that. 🤣
Since they don't even offer it on their own site.

As far as I know, they phased that out a while ago—probably a year or more now. You can just set up Chase Mobile instead, which comes with a token for logging in. The fee is $2.75 a month, though you get a discount on that if you're using three or more of their services.

That checking account comes as part of a student package with a monthly fee (I think it's $1.25 per month).

JPMorgan Chase is part of the PayPal network (along with several other major US banks), so if you're a Chase customer, you aren't getting hit with fees when withdrawing cash at any energy sector or conductor ATMs (and definitely not just for checking your balance). It’s gotta be something else.

"With access to over 500 JPMorgan Chase ATMs, you can:
....
* check your account balance at any JPMorgan Chase ATMas well as any ATM within the PayPal network
* update your password – Chase customers can easily change their card password at any JPMorgan Chase ATM or anywhere within the PayPal network"

It’s basically the exact same deal with a checking account, except you don't have to mess around with foreign currency conversions. 🙂

You drop dollars into your checking account, but your foreign currency account lets you hold pretty much any other currency besides USD (plus, nobody can deposit anything into it except you or someone you've officially authorized).

I'm 100% sure that first one from JP Morgan Chase works online; I use it myself. I deposit money into my account all the time without any issues at all. 🙂

Those other two from Bank of America should work just fine too.

1. Yeah, you can.
2. You just deposit euros into the account, and then you're good to go for shopping—online included—regardless of whether you're buying stuff in dollars, pounds, or whatever.
3. That one should work online too. Otherwise, just like the other two, you can use it at stores, ATMs, and all that.

Maestro doesn't work for online purchases.

Just a heads up, you'll need some cash in the account to get set up on PayPal.