Intel Visa

I think we’ve mentioned in this thread a few times already that you should probably just use cards from either JPMorgan Chase or Goldman Sachs!
Or maybe just any standard credit card from a major bank.

Hey, stop spreading misinformation. I can easily pull up statements from both my JPMorgan Chase and Bank of America cards if you want proof.

Casey Jones5 said:Hey, stop spreading misinformation. I can easily pull up statements from both my JPMorgan Chase and Bank of America cards if you want proof.

I'm not really sure about the JPMorgan Chase ones since I don't have one myself or know anyone who does, but I had a Wells Fargo card until a few months ago and it worked okay, at least not on PayPal. Someone else mentioned here that their Federal Reserve Microsoft card worked at certain online stores, but mine wouldn't work on PayPal, so I just went down to my local branch yesterday and the lady there ended up splitting the charge into two parts for me.
So yeah...

That black card from JPMorgan Chase is honestly unbeatable when you're dealing with PayPal or anything else online. I’m not sure why you were having trouble with the OTP, but that should have worked just fine without any issues.

Hey everyone,

So, I'm currently out in the USA and I'm running into this annoying headache with an Intel card from Chase Bank (my checking account).

At the end of last week, I pulled out about 200 bucks (roughly $200) and had 200 left over... so my plan was to head back on Monday to grab the rest, but when I get to that final step—you know, just hitting the button to release the cash—the machine hits me with a "not sufficient funds" message. Which is hilarious, because I checked my balance right there at the ATM and it clearly shows 204 bucks sitting there. I even tried just grabbing 50 bucks to see if that would work, but nope, same exact error. To make things even more interesting, my sister and my wife actually sent over another couple hundred later that same day, so the balance should be up to 423 now.

I figured I'd give it another shot on Tuesday, but again, the ATM gives me the same old song and dance. Just to rule out any weirdness, I tried the ATM at the hospital where I work, then tried a few other machines all over town, and it’s the same story everywhere. Does anyone have a clue what might be causing this? Or maybe you know someone who knows someone who deals with this kind of thing? Any info at all would be a huge help, thanks. 🙂

Mark Turner7 said:Hey everyone,

So, I'm currently out in the USA and I'm running into this annoying headache with an Intel card from Chase Bank (my checking account).

At the end of last week, I pulled out about 200 bucks (roughly $200) and had 200 left over... so my plan was to head back on Monday to grab the rest, but when I get to that final step—you know, just hitting the button to release the cash—the machine hits me with a "not sufficient funds" message. Which is hilarious, because I checked my balance right there at the ATM and it clearly shows 204 bucks sitting there. I even tried just grabbing 50 bucks to see if that would work, but nope, same exact error. To make things even more interesting, my sister and my wife actually sent over another couple hundred later that same day, so the balance should be up to 423 now.

I figured I'd give it another shot on Tuesday, but again, the ATM gives me the same old song and dance. Just to rule out any weirdness, I tried the ATM at the hospital where I work, then tried a few other machines all over town, and it’s the same story everywhere. Does anyone have a clue what might be causing this? Or maybe you know someone who knows someone who deals with this kind of thing? Any info at all would be a huge help, thanks. 🙂

Not sure about the USA, but foreign ATMs are notorious for being wrong. It’ll tell you that you have, say, 200 dollars, when in reality you actually have USD!

I'll just share what happened to me. At an ATM here in the US, my available balance showed up way higher than what was actually in my account, while my wife’s screen showed a negative balance even though she had plenty of money. She couldn't even withdraw any cash.

Question
How many days does it usually take to receive my Visa?
What’s the full rundown on what I actually need to provide to get one issued?
Where am I able to go to pick it up?
And regarding the fees—specifically when I'm making a withdrawal—what kind of percentage are we looking at?
Also, is there an option to link it directly to my checking account so I don't end up accidentally overdrawing or running into any other unexpected headaches?

Jeremy Wilson7 said:Question
How many days does it usually take to receive my Visa?
What’s the full rundown on what I actually need to provide to get one issued?
Where am I able to go to pick it up?
And regarding the fees—specifically when I'm making a withdrawal—what kind of percentage are we looking at?
Also, is there an option to link it directly to my checking account so I don't end up accidentally overdrawing or running into any other unexpected headaches?

Are we talking about a Visa Electron debit card linked to a checking account, or a Visa credit card?
Those are two completely different beasts!
First, figure out what you actually need the card for!

When you're applying for a credit card, you usually get a couple of choices:
A Visa Classic, which is basically a card with a grace period where they just charge the whole amount at once.
Or a Visa revolving card, where you can just pay off about 5% of what you spent each month. (I think with Mastercard it's closer to 10%).
I actually requested a Classic one, but I guess they activated a revolving line for me instead🙂, so unless I manually pay off the full balance before the billing cycle hits, they just take that 5% and then you're stuck with a 12% interest rate.
It probably takes about two or three weeks depending on things, but I suppose you go into the bank to see your personal banker, fill out an application, and then you have to take it to your employer to get them to verify your work history, salary, and add their official stamp and signature before bringing it back to the branch.
After maybe two weeks, you might get a notice in the mail saying your card was approved along with your credit limit, and you'll also get this wage garnishment authorization form that you pretty much have to get notarized and then drop back off at the bank.
Then, eventually, they send out the actual card and your PIN in separate envelopes.

That's just how it works at the Federal Reserve, though I think at some other banks, if you bring in that notarized form, they might just hand you the card right then and there.
If you're really just looking for something for online shopping and don't care about buying things on credit, I'd probably suggest skipping all that hassle and just getting a Visa Electron paired with a checking account.
The ones from JPMorgan Chase and Bank of America, among a few others, seem to work perfectly fine for everything online.

I just had a few transfers hit my checking account (totaling about $233). Am I going to get slapped with some kind of tax bill because of this?

What’s the deal when money lands in my account from PayPal?

Kevin Morris12 said:The lady at the bank I visited last time actually tried to sell me on the idea that you can pay for things online using a Maui card... so much for her being "well-informed."

Anyway, getting back to the main point... if I put those 2 $0.00 into a two-year CD, what does that actually entail? Does it mean I won't be able to touch that 2 $0.00 for the full two years (just like how I couldn't get my hands on that $13 I spent on the Maui card last week), or am I misunderstanding something?

And what exactly constitutes a "card limit"?

Can anyone recommend a decent bank that will 100% approve me for a credit card (Visa) if I commit those 2 $0.00 to a two-year term?
....

year 2006.

year 2011.
And people are still thinking this way today!
One branch tells you it works, then you walk into another one where they claim it doesn't (like paying for things online, say, booking a hotel)!
The authorization fails, yet somehow the PIN works even when you're abroad! I guess we're just playing guessing games with these people.

Jessica Martin18 said:I'll just share what happened to me. At an ATM here in the US, my available balance showed up way higher than what was actually in my account, while my wife’s screen showed a negative balance even though she had plenty of money. She couldn't even withdraw any cash.

The situation abroad usually depends on how often banks and the companies owning the ATM networks sync up their data. Also, most banks make sure to keep a little buffer in the account after a transaction, so sometimes you might technically have money, but you just can't get to it...
The other possibility is that someone stole your card info and drained the account. 🤷

I am looking to book a flight through Southwest Airlines, and they list Visa Electron as an accepted payment method. I have a Visa Electron card from Bank of America linked to my foreign currency account. The ticket costs 56 pounds, and I just converted enough to have 65 pounds sitting in the account right before attempting the purchase, yet the transaction failed.

Now, I am struggling to pinpoint the cause:
1. Is there a delay before the balance update reflects in the system, causing the payment gateway to see insufficient funds?
2. Could there be additional hidden fees that pushed the total beyond what I have available?
3. My foreign currency account is officially a USD account, but since I have handled Euros before, my online banking shows three sub-accounts under the same number—one for USD, one for EUR, and one for GBP. However, the "Visa Electron" label only appears next to the USD portion, while the others say "no card attached." I cannot recall if I have ever successfully made an online purchase that pulled directly from my Euro holdings, or if the system requires the funds to be in USD regardless of the transaction currency because the card is tied to the USD account.

The third point feels like the most logical culprit. That said, should I wait a bit to see if the balance settles, or is that likely irrelevant?

You’ve gotta have enough cash in whatever currency your card actually uses (which would be USD here). Since the pound cost gets converted to dollars at checkout, if you're short, the transaction just dies.
It should be roughly 56*9.5 = $177, so about 532/6 = 90 USD.

Yes, it’s settled. I have no idea why I thought buying British Pounds was a bright idea—it’s a first for me. I ended up taking a bit of a hit on the conversion rate, which was annoying, but I won't go broke over $10. 😁

So, I’m currently trying to snag some tickets on Ticketmaster, but I’ve hit a massive roadblock because I apparently need this damn Verified by Google setup to proceed. What am I supposed to do here? Is it even actually possible to get this thing activated,
has anyone actually figured out the workaround for this yet? :/ please help me out 😢

Here's the link, give it a shot...

https://verified.visa.com/aam/src/app/aam.aam

Hey, quick question: does holding Visa Electron International in my Chase account trigger any monthly service fees? Thanks in advance

Can anyone tell me which bank offers the best rates on an Intel card, specifically when you factor in the monthly account maintenance fees?