Intel Visa

Shopping online isn't really an issue at all when you're using a Visa card from JPMorgan Chase. I mean, I've had no trouble topping up my accounts on sites like DraftKings or FanDuel and everything worked fine.

Can someone tell me what the routing number is for JPMorgan Chase?

2402006

Has anyone here tried using a JPMorgan Chase or a Bank of America card with Moneybookers? I'm mainly wondering how the withdrawal process works when you're trying to move funds from Moneybookers into a foreign currency account.

Between JPMorgan Chase and Bank of America, which one would you guys suggest I go with?

Yeah, they both work fine.
JPMorgan Chase is cheaper since they don't charge for foreign currency account maintenance, and unlike Bank of America, they don't hit you with a fee from $2.50 when receiving an incoming wire.

I have a question.

I recently opened a foreign currency account at JPMorgan Chase. The account is held in USD.

Since then, I’ve deposited about $200 and successfully made three online purchases using my Intel card.

My balance was sitting at around $35. Today, I tried to make another purchase for $85, so I headed down to the branch with $133 (~$80) in cash, intending to deposit it into the account so I could cover the cost.

After I deposited those $133, I came home, only to find the transaction wouldn't go through. I kept getting an error message—even though this card usually works fine on this specific site—despite the fact that I should have had over $100 in the account. At least, that's what I thought, because

When I checked my receipt, which was marked as a "currency sale," I realized that from my $133, I actually ended up buying 55€. That wasn't my intention at all.

So now, on this account which is supposed to be in dollars, I’m holding $35 and 55€. It seems because I didn't explicitly demand dollars instead of euros, the teller didn't ask for clarification and just converted my USD into euros before depositing them into my dollar account.

Is this why my purchase is being declined? Can anyone tell me how to fix this? I'm planning to head back to JPMorgan Chase tomorrow...

(In the past, my deposit slips always specified I was buying dollars and everything went smoothly. Clearly, the teller today got mixed up; everyone else has always converted my funds into dollars without issue.)

I hope that makes sense. Waiting for your thoughts. 🙂

The bottom line is you need dollars instead of euros 🙂

Megan Newman3 said:The bottom line is you need dollars instead of euros 🙂

So, I'm supposed to just walk up to the teller and say, "Hey, turn these euros into dollars for me"... sure, thanks for the tip.

... and of course, you just blow a few bucks on the exchange rate 😬

goldenjackal16 said:I have a question.

I recently opened a foreign currency account at JPMorgan Chase. The account is held in USD.

Since then, I’ve deposited about $200 and successfully made three online purchases using my Intel card.

My balance was sitting at around $35. Today, I tried to make another purchase for $85, so I headed down to the branch with $133 (~$80) in cash, intending to deposit it into the account so I could cover the cost.

After I deposited those $133, I came home, only to find the transaction wouldn't go through. I kept getting an error message—even though this card usually works fine on this specific site—despite the fact that I should have had over $100 in the account. At least, that's what I thought, because

When I checked my receipt, which was marked as a "currency sale," I realized that from my $133, I actually ended up buying 55€. That wasn't my intention at all.

So now, on this account which is supposed to be in dollars, I’m holding $35 and 55€. It seems because I didn't explicitly demand dollars instead of euros, the teller didn't ask for clarification and just converted my USD into euros before depositing them into my dollar account.

Is this why my purchase is being declined? Can anyone tell me how to fix this? I'm planning to head back to JPMorgan Chase tomorrow...

(In the past, my deposit slips always specified I was buying dollars and everything went smoothly. Clearly, the teller today got mixed up; everyone else has always converted my funds into dollars without issue.)

I hope that makes sense. Waiting for your thoughts. 🙂

From what I understand, if you have access to their online banking, you can probably fix this right from your phone without having to drive back to the branch. You might lose a couple of bucks on the conversion from euros back to dollars, but it's much easier.

Alright, I'm new to this whole credit and debit card mess and I've got a question. I have a Mastercard from JPMorgan Chase linked to my checking account, but obviously, I can't use it for online shopping. Because of that, I'm thinking about asking JPMorgan Chase for a Visa. How does that process actually work? What’s the fee, and do I have to give up my Mastercard, or can I just keep both on the same account? 🤷

Also, one more thing—I have a Mastercard Prepaid from Payoneer. Is there any way to fund that besides using a card with a CVV?

Just a bunch of rookie questions, I guess...

Anyone there?

Sarah Morales7 said:The perfect solution for online shopping—a Goldman Sachs prepaid Mastercard. You just load up whatever amount you need right before you buy something, which keeps the risk incredibly low; even if someone somehow manages to snag your PIN online, they can only ever touch what you’ve specifically put on there. It's a solid option, makes for a great gift, and anyone can get one without any hassle.

When you say "everyone," does that include us poor unemployed folks? I feel like every time I think something is easily accessible here in the States, I go to apply and realize you actually need a steady paycheck—makes me look pretty foolish.

I'm looking at their website and, predictably, it doesn't specify.
But this part caught my eye: Where can the Mastercard Prepaid gift card be used?
You have access to over 25 million terminals and 943,000 ATMs across the country and abroad, all marked with the Maestro/Mastercard logo.

So, is this a legitimate Mastercard—basically a debit card that works anywhere Mastercard is accepted online—or is it some sort of quasi-card, like a Visa Electron compared to a real Visa? This Maestro/Mastercard distinction has me a bit worried.

And what about the Mastercard Prepaid Refresh card? Aside from being reloadable, how much does it actually differ from the one mentioned above? Basically, could someone without a job get their hands on it?

Lisa Adams54 said:When you say "everyone," does that include us poor unemployed folks? I feel like every time I think something is easily accessible here in the States, I go to apply and realize you actually need a steady paycheck—makes me look pretty foolish.

I'm looking at their website and, predictably, it doesn't specify.
But this part caught my eye: Where can the Mastercard Prepaid gift card be used?
You have access to over 25 million terminals and 943,000 ATMs across the country and abroad, all marked with the Maestro/Mastercard logo.

So, is this a legitimate Mastercard—basically a debit card that works anywhere Mastercard is accepted online—or is it some sort of quasi-card, like a Visa Electron compared to a real Visa? This Maestro/Mastercard distinction has me a bit worried.

And what about the Mastercard Prepaid Refresh card? Aside from being reloadable, how much does it actually differ from the one mentioned above? Basically, could someone without a job get their hands on it?

I mean, what does having a job have to do with it? The name "prepaid" pretty much explains itself—you load up $100$5000 and spend it until it's gone, then just top it up again.

Charles Ramos7 said:I mean, what does having a job have to do with it? The name "prepaid" pretty much explains itself—you load up $100$5000 and spend it until it's gone, then just top it up again.

Can only people with an existing account at Hypo pick up the card, or is it open to everyone?

I’ve just got one question: can I actually withdraw my cash from BetOnline using a Visa debit card?
Basically, if I fund my account with a Visa, am I going to be able to pull my winnings right back out to that same card?

Thanks in advance!

Keith Doyle18 said:But what exactly is backing that card besides those initial twenty bucks? Does that mean your spending limit is capped at that tiny amount too? It strikes me as incredibly odd that a bank would issue any kind of credit card without substantial collateral—you know, unless their idea of "security" is just a measly $20.

Secondly—an Intel Visa debit card issued here in America won't even work for online shopping.

Thirdly—you can obtain a Visa Classic or a Visa revolving card (which *can* be used for online transactions) regardless of your employment status. You simply need to open a checking or savings account—though keep in mind that some banks bundle all your savings under a single account number, where the funds are just categorized by currency, like USD or EUR. To open the account, all you really need is a state ID; now, to qualify for a credit card, some banks might want to see a few months of history in that account, but generally, if you don't have a steady paycheck, they’ll just ask for collateral. Usually, this takes the form of a Certificate of Deposit (CD) that you don't touch—the bank uses that deposit to set your spending limit (for example, you park $1,000 in there, and that becomes your maximum credit line).

That last part is just plain wrong. If your Visa debit card has a CVV, you can buy whatever you want from wherever you want. Some of those Visa cards don't have it printed on the back—but look, there NEEDS to be a seven-digit number on the signature strip, where those last three digits act as your security code.

With Amex, you’ve got those tiny little white numbers on the front, four of them. Diners doesn't really do that, and Mastercard is the same deal with the seven digits where the last three are the check digits. You can do the same thing with a GO card or through Chase, and so on.

Look, a Visa debit card isn't technically a credit card, so you aren't going into overdraft, but you can definitely receive and send money anywhere. To give you a real-world example, I once bought a plane ticket while I was in England; the price was in pounds, the bank handled the exchange rate to US dollars, and when I checked my balance, the amount deducted was converted straight to dollars. It worked perfectly. You can do the exact same thing by registering a card through Alertpay; you just send over your ID, though instead of getting the cash on the card instantly, you'll be waiting about 10 to 15 days for a check to show up in your mailbox, which you then take down to the bank. ☕

Charles Ramos7 said:I mean, what does having a job have to do with it? The name "prepaid" pretty much explains itself—you load up $100$5000 and spend it until it's gone, then just top it up again.

I'm wondering about this too, do you actually have to open a full bank account with them??
Since I'm still an apprentice, having a card like this would be pretty helpful...

feralbadger2 said:I'm wondering about this too, do you actually have to open a full bank account with them??
Since I'm still an apprentice, having a card like this would be pretty helpful...

Here’s the link if you want to dig into the details:

I actually use one myself! Just a heads up though, it's basically a debit card for a foreign currency account, not a credit card.
I've used mine to pick up stuff on eBay through PayPal quite a bit.

Raymond Clark7 said:That last part is just plain wrong. If your Visa debit card has a CVV, you can buy whatever you want from wherever you want. Some of those Visa cards don't have it printed on the back—but look, there NEEDS to be a seven-digit number on the signature strip, where those last three digits act as your security code.

With Amex, you’ve got those tiny little white numbers on the front, four of them. Diners doesn't really do that, and Mastercard is the same deal with the seven digits where the last three are the check digits. You can do the same thing with a GO card or through Chase, and so on.

Look, a Visa debit card isn't technically a credit card, so you aren't going into overdraft, but you can definitely receive and send money anywhere. To give you a real-world example, I once bought a plane ticket while I was in England; the price was in pounds, the bank handled the exchange rate to US dollars, and when I checked my balance, the amount deducted was converted straight to dollars. It worked perfectly. You can do the exact same thing by registering a card through Alertpay; you just send over your ID, though instead of getting the cash on the card instantly, you'll be waiting about 10 to 15 days for a check to show up in your mailbox, which you then take down to the bank. ☕

Actually, Diners Club does.😉 I’ve got one right here, and it’s got those three digits on the back. It works fine for online shopping too (except for when I'm using PayPal😢)