JPMorgan Chase Go!Card help?

If I pull cash out of an ATM using my credit card, does that amount get paid back in installments just like a regular purchase?
I just withdrew some money, and on my pending transactions, it's showing the full amount up front...

The settlement amount is also factored directly into the total number of agreed installments.

It gets credited back the exact same way your card payments are structured—whether that’s in installments or a percentage. I suspect, however, that the ATM fee will just hit your next statement as one lump sum 🤔

Alright, I get it now 🙂
But seriously, can someone help me out? I can't find any info on what the monthly interest rate actually is.
Is it calculated based on the total amount?

Is it possible to get a debit card if I don't have a full-time job?

Does anyone happen to know what the annual fee is for this card? Or is it just a monthly charge? Also, can I just request a standalone Go Card without being forced into any extra features or fees? My plan is pretty simple—I'd mainly use it for installment plans over about six months and maybe some online shopping or PayPal stuff. For years now, I've just been sticking to a basic checking account, but JP Morgan Chase keeps trying to push this whole suite of services on me for $18 a month... I honestly have zero use for it, so there's really no reason to hand over an extra $220 per year...

Rebecca Turner67 said:Does anyone happen to know what the annual fee is for this card? Or is it just a monthly charge? Also, can I just request a standalone Go Card without being forced into any extra features or fees? My plan is pretty simple—I'd mainly use it for installment plans over about six months and maybe some online shopping or PayPal stuff. For years now, I've just been sticking to a basic checking account, but JP Morgan Chase keeps trying to push this whole suite of services on me for $18 a month... I honestly have zero use for it, so there's really no reason to hand over an extra $220 per year...

go!card MasterCard

You get zero membership fees or sign-up costs during your first year!

It's only after that initial year that the membership fee kicks in at $67, though if you're already using one of their premium service tiers, you'll snag some extra perks—like either skipping the fee entirely or getting a pretty sweet discount on it.

So, look—if you aren't interested in the premium bundle and just want to use something like their standard payment assistant, your first year is totally free, and then it'll be $67 every year after that.

I’ve decided to walk away from the whole thing—they’re offering me a credit limit of just one grand, roughly $767, because apparently I’m on minimum wage... or so they told me at the branch. Honestly, I don't see the point of having this card for such a tiny revolving balance when I always have enough cash on hand if I need it—I'd much rather just pay upfront anyway. I needed a higher limit, which they refused to grant, so it’s goodbye Go Card. From what I can tell, Chase and Bank of America are much better to deal with across the board, and I’ll most likely be moving my business over to Bank of America soon. They even tried to talk me into switching to their premium tier just so they'd *consider* bumping up my limit... yeah, I'm not buying that story 😠 🙄

So, how much of that limit do you think should actually be yours?🙂

I mean, at least two grand—maybe $1533 or somewhere around $1667... what good is a limit of $767? It’s practically non-existent. I mean, seriously, what can I actually buy today with that kind of money? Literally nothing. So why am I even paying their monthly fees? Especially since I’ve been a loyal customer for years—my whole family has been with this bank, too—and my checking account is always solid (never once hit a red balance or gone into overdraft), not to mention my savings there... and what do they offer me in return? Absolutely nothing. I'm not some naive kid they can just push stuff onto; I'm not buying it. And if I were using one of those premium credit cards, would they suddenly grant me a three-thousand-dollar limit? What could they possibly increase it to then? Because right now, I can't get an increase simply because I want a "standard" debit card instead of one of those fancy high-tier options. I don't see why that's suddenly becoming an issue for them.

When it comes to those limits, I honestly don't think you'll have better luck anywhere else. You can always get a card based on how much you have in savings, but that’s usually not the type of account you're looking for.

Hey everyone!

Quick question for the group: does anyone know if I can request a change to my repayment plan over the phone? I mean, since you can already activate the card itself via phone just by entering your PIN and card details, maybe this is possible too?

The JPMorgan Chase website mentions that the first adjustment is free of charge, but they don't specify the actual process for requesting it. Right now, I'm on a 6-month installment plan, but I’d much rather switch to paying a fixed percentage instead.

It would be a massive lifesaver if I could handle this remotely—I'm physically unable to make it down to my local branch at the moment, so doing it over the phone would be way easier. Has anyone here managed to settle a change like this through a call?

I was thinking about calling the Federal Reserve to see if they had any guidance, but they're closed today... oops!

Thanks in advance for any help you can give!

^^
Just answering my own question here in case anyone else is wondering: you can actually make that change, but you have to go down to your home branch in person. 😢

Honestly, given how this bank operates, I’m just relieved they even allow it! 😈

Carol Thompson76 said:^^
Just answering my own question here in case anyone else is wondering: you can actually make that change, but you have to go down to your home branch in person. 😢

Honestly, given how this bank operates, I’m just relieved they even allow it! 😈

Where on earth did you get that info?
The request itself can be signed at any branch—they just forward it to the headquarters, assuming their internal bureaucracy even allows for such things to happen there

I actually gave them a ring at the Federal Reserve over the phone.

Personally, I don't really care about the specifics since it's my home branch and super close by, but if they aren't picking up the phone, maybe your extra info will help someone else out!

How long does it actually take to get a new debit card? I’ve been waiting for two weeks now and still nothing...

I’m closing my account this Monday. I’ve cleared the balance, moved everything over to $0.00, and now I’m officially cutting ties.

🎉

This might sound like a pretty rookie question, but I’ve only been using my credit card for about a month now, so I figured I’d ask... basically, does every single thing I charge get split into 36 installments, which then becomes the monthly payment I owe next month?? Also, how does the interest actually work—is it calculated on the total amount spent (how much am I looking at?), and when does that interest hit my bill? Thanks in advance, everyone.

36? Isn't it actually at 6?

You can opt for 36 months—you can always choose a shorter term, obviously—but 36 is the absolute ceiling for installments on a standard Chase credit card. Interest is calculated monthly based on whatever balance you’ve carried (I believe it’s roughly 12% APR, though I haven't exactly been digging through their fine print lately 🙂). That interest gets tacked onto your monthly bill right alongside the installment payment itself.