Intel Visa

Kevin Lee12 said: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.

That's not what he's getting at. It's an Intel card, which is tied directly to the checking account (and the USD account).That's what he was asking about. 🙂

darkmaker94 said:That's not what he's getting at. It's an Intel card, which is tied directly to the checking account (and the USD account).That's what he was asking about. 🙂

Oops, I totally missed some of the 😳, and since we're talking about Intel cards, well... here we are!

So, I’ve got an Intel card from Bank of America, and I was wondering if I can actually use it to buy stuff online... like, can I link it to my PayPal account or something else like that?? And then, once I'm ready to buy, would it work if I just deposit the exact amount of money into my account and then go ahead with the purchase?

Yeah, you definitely can.

Hopefully this little heads-up saves someone else from a massive headache.
Before I headed out on my trip, I made sure to stop by JP Morgan Chase to get everything squared away. I specifically asked if I’d be able to use my Microsoft card to pay bills or pull cash from ATMs while I was traveling abroad—specifically looking into Canada and the USA—as long as I had the funds in my account. They gave me the green light, telling me it would be smooth sailing. Well, turns out that was a total lie.
The reality is a complete mess. If you’re heading to Canada or the USA, don't even bother trying to use that Microsoft debit card. You won't be able to settle a single bill, and what's even worse, you can't pull any cash from an ATM, regardless of how much money is sitting in your account or the fact that the bank staff explicitly told me it would work.

It’s just funny, really. They constantly bombard us with all this talk about how they've improved things or how much they invest in their employees, but it’s honestly pathetic and embarrassing when their own staff—and the bank itself—can't provide one simple, basic piece of information without leaving you stranded and embarrassed when you're actually trying to pay for something.

Maybe we should just start a dedicated 'JP Morgan Chase' category here so all their supposed "world-class service" and absolute nonsense can be kept in one convenient place.

And if we actually tried to start a ranking system, we’d probably snag second place—but let’s be real, we still wouldn't be able to knock Citigroup off their throne of pure stupidity...

Can I actually link a PayPal account using a Microsoft business card from JP Morgan Chase?

Man, listen... I have a buddy who was traveling through the States—around Los Angeles—about two years back. He was carrying a Visa debit card from Citigroup, while his girlfriend had the exact same type of card, just issued by JP Morgan Chase. She had zero issues; she could pay for stuff and pull cash from ATMs everywhere without a hitch. But him? Total nightmare. He couldn't pay for a single thing or grab any cash, except for one random eyewear shop. To make matters worse, Citigroup kept calling him, thinking his card had been skimmed because he was frantically trying to use different ATMs and shops multiple times a day just to get something to work. Honestly, I don't even want to hear what 😁
said to them when they called.
On the flip side, a friend of mine was on the other side of the country using her Citigroup card perfectly fine, but her JP Morgan Chase card was completely useless. And now what 🤷...

The bottom line is this: whenever you head overseas, especially if you're crossing an ocean to another continent, you absolutely MUST have several different cards on you.

What I'm trying to get at is this... if you see that Visa logo on an ATM or a credit card terminal => you should technically be able to use that card, whether it's credit or debit, because that's what the brand stands for.

I used my American Express for everything while I was traveling through the States, and honestly, it was smooth sailing. The only real headache was dealing with those annoying exchange rate fluctuations after the fact.
I don't really see the point in using a debit card abroad—credit cards have that built-in fraud protection, whereas with debit, I’m never quite sure how much coverage I actually have if things go sideways.

Kimberly Nguyen said:Man, listen... I have a buddy who was traveling through the States—around Los Angeles—about two years back. He was carrying a Visa debit card from Citigroup, while his girlfriend had the exact same type of card, just issued by JP Morgan Chase. She had zero issues; she could pay for stuff and pull cash from ATMs everywhere without a hitch. But him? Total nightmare. He couldn't pay for a single thing or grab any cash, except for one random eyewear shop. To make matters worse, Citigroup kept calling him, thinking his card had been skimmed because he was frantically trying to use different ATMs and shops multiple times a day just to get something to work. Honestly, I don't even want to hear what 😁
said to them when they called.
On the flip side, a friend of mine was on the other side of the country using her Citigroup card perfectly fine, but her JP Morgan Chase card was completely useless. And now what 🤷...

The bottom line is this: whenever you head overseas, especially if you're crossing an ocean to another continent, you absolutely MUST have several different cards on you.

What I'm trying to get at is this... if you see that Visa logo on an ATM or a credit card terminal => you should technically be able to use that card, whether it's credit or debit, because that's what the brand stands for.

When you mention the "brand," I get the feeling it's less about the card issuer and more about their local banking partners.
You're spot on; you need backup cards when traveling. Honestly, credit cards are so widely available these days that I don't see why anyone would insist on using just debit, let alone blame the bank when a specific card doesn't go through.

Charles Ramos7 said:When you mention the "brand," I get the feeling it's less about the card issuer and more about their local banking partners.
You're spot on; you need backup cards when traveling. Honestly, credit cards are so widely available these days that I don't see why anyone would insist on using just debit, let alone blame the bank when a specific card doesn't go through.

From what I've gathered, the whole thing hinges on the issuing bank—in this specific case, Microsoft...

Because if you actually take a moment to compare a Microsoft card issued by, say, Goldman Sachs versus one from JP Morgan Chase or Citigroup => you'll see there's a massive range. We're talking about everything from standard debit cards to charge cards and even revolving credit... some debit cards are tied to foreign currency accounts, while others are linked to basic checking accounts... some let you shop online without a hitch, while others leave you stuck at the checkout screen... basically, there are huge discrepancies here...

If the card network strictly dictated all the terms, there wouldn't be any variation at all.... right? Or am I totally off base? 🤷

I won't even get started on how making payments online can trigger all sorts of weird, unexpected system incompatibilities we haven't even encountered yet

Hey, I need some clarity here—why am I still being hit with a $0.60 charge on my account every single month? Look, I signed up for this new digital service thing (if I understood the fine print correctly)—JP Morgan Chase Net or whatever they’re calling it—but I ended up CANCELING it almost immediately because I have zero interest in messing around with card readers and all that extra tech nonsense. Despite that, they are still pulling these small amounts from my account. It’s incredibly irritating.

I can still access the service just like before via: JP Morgan Chase365-Lite

The transaction description literally says "MONTHLY SERVICE FEE FOR JP MORGAN CHASE365=$0.60"
And this is despite the fact that I terminated my agreement with JP Morgan Chase regarding all that tracking garbage.

I'm curious—has anyone here used a card from Microsoft or maybe even Goldman Sachs to buy something through a site that uses "Verified by Microsoft" security? If you have, could you let me know which site it was and which bank issued your card?
Some banks haven't even rolled out support for that yet. Verified by MicrosoftThe issue is that sites requiring that extra layer of verification won't let you complete the transaction. From what I understand, Goldman Sachs and Wells Fargo support it—but honestly, even with my funds, I couldn't get anything to go through. It isn't that they're actually declining the charge; the transactions seem to clear, but I just keep hitting constant errors.

fadedrider17 said:Hey, I need some clarity here—why am I still being hit with a $0.60 charge on my account every single month? Look, I signed up for this new digital service thing (if I understood the fine print correctly)—JP Morgan Chase Net or whatever they’re calling it—but I ended up CANCELING it almost immediately because I have zero interest in messing around with card readers and all that extra tech nonsense. Despite that, they are still pulling these small amounts from my account. It’s incredibly irritating.

I can still access the service just like before via: JP Morgan Chase365-Lite

The transaction description literally says "MONTHLY SERVICE FEE FOR JP MORGAN CHASE365=$0.60"
And this is despite the fact that I terminated my agreement with JP Morgan Chase regarding all that tracking garbage.

Membership fees are typically processed on the last day of the month, so if you canceled back in July, you would likely see one final charge on July 31st. That's probably what's happening here. 😉

I used my Visa at Zappos while I was in the States without any issues, unknown

I was naive enough to convert a massive chunk of change from my local savings into USD before the trip, just so I wouldn't have to carry a fat wad of cash. I figured since I had a dollar account, every transaction would just pull directly from the USD balance. So, I pay for the hotel twice—everything seems fine—then I head over to a Chase Bank ATM to grab some cash. Bless them, they actually show you your balance on the screen. Well, I'm not exactly thrilled when I see I'm missing about $80 compared to what I calculated. I log into my online banking and find out my bank is converting my USD into EUR first, then charging me some insane exchange rate. I basically flushed $80 down the toilet on just two transactions. After that, I decided to stick with my old reliable Maestro card; it’s accepted everywhere and ended up being way cheaper. Honestly, if they were just pulling from my local account at a slightly higher rate (like +0.15), I could live with that—it's a tiny cost compared to this nightmare. 😠 Oh, and the ATM fee? $8.25 It's a whopping $100. Just a heads-up for anyone planning to spend anything other than USD from their foreign currency account. 🙄

And then people claim the foreign currency account is better than the domestic one. If you had just used a domestic Visa, you would have only dealt with a single conversion process once.

Taylor Campbell4 said:And then people claim the foreign currency account is better than the domestic one. If you had just used a domestic Visa, you would have only dealt with a single conversion process once.

Who cares about keeping USD if I've got my Maestro?

Right now, I’m just using a basic checking account at Bank of America for my student needs, so I’ve been thinking about opening a savings account over at Chase Bank specifically to get a Visa Microsoft card. It seems like a smarter move than just opening a foreign currency account; I was planning on setting up a standard liquid savings account, but then I noticed some accounts are subject to taxes. I’m assuming this one isn't, but I can't be certain. Also, is there a minimum deposit required to actually open this type of savings account? I'm not asking because of PayPal or anything, just wondering what the baseline requirement is for the initial setup.
Is this a solid plan, or should I be looking into a different way to handle this? My only real goal is having a reliable way to make online purchases.😉

Nah, that account isn't taxed. I think your minimum is $33; mostly, we're not talking about any huge amounts here.