Posts by Kevin Morris12

What kind of error message are you getting? I added mine without any issues at all 🤷

The payout will be in dollars, since my US account only accepts USD.

I actually did a quick test run recently by transferring funds from PayPal to Wise just to see how it would work.





To be honest, I don't use this method very often because I don't deal with much dollar-denominated business. Plus, when using my local PayPal, you can only move dollars directly to that US Wise account. If I had to convert Euros into Dollars first—especially with those terrible PayPal exchange rates—just to send them over, only to convert them right back into Euros or Dollars once they arrive? That would be a massive waste of money. If you're primarily working with Euros, wouldn't it make more sense to just open a PayPal account within the European Union? You can simply link an IBAN—whether it's from a major US bank, Chime, or any other provider—and the money arrives without any extra fees. 🙂 Of course, you really need a valid address in that region to avoid any issues with your account being flagged.

Yeah, honestly, that’s such a tiny amount. Is there any way you could just put that on a credit card? You mentioned you have a job, right? Unless you're dealing with some kind of legal garnishment or debt collection, getting an advance shouldn't be much of a hurdle at all.

Does Bank of America check your Premium status or your ECC standing with Diners Club before they approve a credit card? If they don't, it might actually be a smart move to pick up one of those cards. Why not shift as many expenses as possible onto installments for a while until you can catch your breath? Nowadays, you can even put your grocery runs at Walmart on a payment plan.

Taking out a high-interest cash advance from a lender just to grab a few thousand dollars is way too expensive—let alone trying to pull $25,000. That should strictly be your absolute last resort if you’re truly drowning financially. And honestly, I hope it doesn't even come to that.

The Chime app (running version 3.48) finally shows the card numbers right there on the screen... honestly, isn't that exactly what we need for the Cookie app too? 🙂

Has anyone else who isn't an existing customer tried applying for one of their credit cards lately? I noticed they just rolled out a brand new application form on their website regarding those cards 🙂

Malta was the first thing that caught my eye too, 🤣 though I have to admit...

I keep getting bombarded with Instagram ads for this card—has anyone actually given it a shot? Their marketing is pretty catchy, I'll give them that, but does it feel a little sketchy to me? It’s a bit unsettling when you consider you're supposed to hand over your personal info and hard-earned cash to a service that looks this unprofessional. 😬





https://promo.blackcatcard.com/

I’m honestly so impressed with how seamless the instant transfers work on Chime. When I send money over from either Revolut or Wise, the funds land in my account in literally a split second. It’s just so efficient!🙂

Chime offers the ability to send money in various different currencies via Wise right within the app itself

Enron is making a comeback? I honestly didn't see this happening quite so soon.
https://www.bbc.com/news/business-53230026

I gave the minus option a shot for the first time, and honestly? It actually works! 😬

Here is some clarification from the community board:

Official Statement from JPMorgan Chase

To whom it may concern,

Given the recent turn of events, we want to clarify that JPMorgan Chase is not involved in the insolvency proceedings regarding Enron.

The Securities and Exchange Commission (SEC) has already appointed a special representative for Enron. Because of this, all approval processes for payments originating from JPMorgan Chase are handled internally at the bank level rather than through the parent group. Moving cash to Enron or its insolvent subsidiaries is strictly prohibited.

We don't anticipate any interruptions to our standard payment processing operations for our business partners. We are maintaining very close contact with our partners, including Visa and Mastercard.

We want to reiterate that deposits held at JPMorgan Chase are secured by two distinct layers of safety. First, individual consumer deposits—including those from partnerships or corporations—are protected up to $100,000 per customer via the FDIC. Please note that this specific coverage does not extend to deposits from other credit institutions, insurance funds, financial service providers, or government agencies.
As an additional layer of security, JPMorgan Chase is also an FDIC member, participating in the voluntary deposit protection fund maintained by the American Bankers Association. Under current regulations, this secondary protection covers deposits up to 15% of the bank's own funds per customer. In practical terms for you, this means your qualifying deposits with us are protected up to a total of $19,700,000 per customer.
Detailed information can be found on the American Bankers Association website (www.fdic.gov). Furthermore, this coverage was recently reaffirmed to JPMorgan Chase in writing by the auditing bodies associated with the American Bankers Association.

The protections provided by the American Bankers Association fund cover "deposits"—specifically, credit balances resulting from account holdings or temporary transaction statuses that the bank is obligated to repay. These must have a term of no more than 18 months and cannot be secured by a bond or a promissory note. Generally, individual creditors (even those acting in a commercial capacity), business partnerships, and legal entities are covered. However, coverage excludes credit institutions, financial firms, investment companies, and various levels of government authority. For more technical specifics, we recommend reviewing the bylaws governing the fund, and we are more than happy to address any questions you might have.

Sincerely,
The Customer Service Team at JPMorgan Chase

That’s an interesting point, boon. Even with the whole Enron mess behind them—and since their BIC is N/A and the IBAN is still tied to Enron—the platform is actually still functional; I just gave it a shot. It appears that while Enron itself has been suspended, JPMorgan Chase is still up and running perfectly fine.

Venmo just launched their new cards, and you can swap out your old ones for free!

It’s pretty eye-opening, isn't it?

I mean, I honestly can't wrap my head around how a bank actually gets access to someone's employment contract. How do they know if you're on a permanent role, a contract position, or exactly when your term ends? It’s just wild to me. 😁

Do you happen to know what kind of asking price they were looking for?

And just a quick side note—are we talking about the full-blown version that major banks use, or is this some sort of "lite" edition meant for individual users?

So, does the FBI finally have eyes on every single credit card out there, including all the limits and how much of that credit is actually being used up?

I’d honestly love to get my hands on one of those reports, if only out of pure curiosity to see EXACTLY what kind of data they can access. Is that even something a regular citizen can request?

Revolving credit can be a fantastic tool because it offers a level of flexibility you just don't get with standard credit cards. But honestly? You have to stay on top of it. You can't just coast for months by paying off the bare minimum percentage required; if you try that, you're basically signing up for a financial disaster within a year. Most other cards have built-in "guardrails" where they might flag or restrict you if you overspend without paying down the balance, since everything except the installments hits at once. Revolving doesn't offer that kind of safety net, so you really need much stronger self-discipline.

That is incredibly strange.

I’m assuming the app recognized you via your email, phone number, or even your specific device ID—it’s highly unlikely they’re tracking you by your full name. If you can get your hands on a family member's phone, why not try using a completely different device, a fresh email address, and a new number? It feels like something has gotten stuck in the system somewhere. Honestly, if you haven't already, it might be worth reaching out to their customer support, though let's be real: they aren't usually much help in these situations...