Intel Visa

Mg.Aloisis- what you’re actually looking for is this:

http://www.chase.com/personal/credit-cards/prepaid

Just a heads up, with credit cards, there isn't really a "negative balance" or a way to "load money onto the card." You just spend up to the limit the bank sets for you, and then you get the bill at the end of the month.

Thanks, this sounds perfect for me, but I’d need to have an account and a checking account with them first, which just isn't worth the hassle right now since I’d probably only need this for international roaming once a year during a trip somewhere.

Even at Mastercard 😉

Jason Cook2 said:I’m posting here because I honestly feel like an idiot already. I just spent ten minutes with a woman at a Chase branch, and I still don't get any of this. I have the Maestro and the Visa
Intel (both credit and debit), and while the foreign currency debit card makes sense—I can load whatever amount of cash I want onto it for when I'm traveling—this credit card situation is driving me crazy. I need to book flights online, and the teller was trying to convince me that I can't go into a negative balance with it, but she also said I can't just pre-load a specific amount onto it either. So what am I supposed to do? If I give Wizz Air my card details, how does the bill actually get settled? Does it send a statement to my house later, or do I absolutely need to have the funds sitting in my account beforehand? To be honest, the idea of handing over card numbers for an account that allows me to go into debt, even with a tiny limit, is completely unappealing to me.
Is there actually an option with any bank out there where I can pay for things online using a card that I personally control? I want a card where I decide exactly how much money goes on it, ensuring nobody can mess with my finances online as long as I keep the balance at zero, unless I specifically choose to add more.

If you look into Chase, whether it's a standard checking account or a foreign currency account, you can get an Intel card for either. You won't be able to overdraw, so it's pretty secure—it just comes down to whether you want to deposit US dollars or a different currency, so pick whichever fits your needs better. With the standard checking, there aren't even monthly maintenance fees, whereas the foreign currency one might have a small fee twice a year, maybe around $4 each.

Hey there!
I’ve been digging around online, but I can't find anything reliable. My banks are closed, and since I'm getting a bit impatient, I figured I'd just ask here right now.

I'm heading to Poland, the Czech Republic, and Austria soon. I’ve got a standard Intel Visa and a Visa debit card for online shopping, plus my checking and savings accounts are all set in US dollars.
I can use both cards abroad, right? And how does the whole currency conversion thing actually work? Like, if I'm in Warsaw and I swipe my card to pay a 100 złoty bill, am I going to get hit with some massive commission? Does the math go from złoty to Euros and then to dollars, or does it jump straight to dollars—or something else entirely? Am I going to lose a chunk of change in the process? Is it actually smarter to just carry cash instead?

Mark Wilson66 said:If you look into Chase, whether it's a standard checking account or a foreign currency account, you can get an Intel card for either. You won't be able to overdraw, so it's pretty secure—it just comes down to whether you want to deposit US dollars or a different currency, so pick whichever fits your needs better. With the standard checking, there aren't even monthly maintenance fees, whereas the foreign currency one might have a small fee twice a year, maybe around $4 each.

Well, thanks, you've really inspired my interest in Chase. They also offer those prepaid Maestro gift cards, which makes me think an Intel card isn't even worth considering anymore. I actually found that orange Visa card sitting in my drawer, and I could probably just call them to activate it, though I'm sure that would come with some sort of monthly fee requirement—and since I have a plan with Wells Fargo, I really don't want to take on more obligations. I hate being tied down by recurring costs... 😉especially since I rarely use the card anyway, and from everything I've heard lately regarding Wells Fargo, trying to close an account or cancel a card there is practically mission impossible. Now I'm going to go hunt for some PDFs online detailing experiences with using prepaid cards abroad 😁, though I might eventually circle back to an Intel card if I decide to stick with Chase.

Here I am again. I called Chase and the representative was incredibly helpful; she explained everything clearly and even went out of her way to look up the details she didn't initially know. I was worried they’d be charging me a fortune in monthly maintenance fees, but the fee is just $9.25 for the first six months, plus an additional $2.75 per month if I want online banking so I can check my balance whenever I feel like it. As for closing the account, I just have to submit a request which doesn't cost anything, and Intel is back on my shortlist... well, now I just have one more thing to decide, thanks everyone

So, I swung by my local Chase branch, and they told me there aren't any extra fees or weird headaches when you use your card while traveling abroad. 🎉

I was wondering how exactly one goes about transferring funds via online banking from a Chase checking account over to my own Intel high-yield savings account?

Kenneth Jackson16 said:I was wondering how exactly one goes about transferring funds via online banking from a Chase checking account over to my own Intel high-yield savings account?

Are we talking about the standard savings or a foreign currency account?

Definitely don't use a foreign currency account for this. If you're moving it to your regular savings, just enter the account number starting with those digits, and the rest should follow the pattern. For the memo field, just put whatever you like—you could repeat part of the account number or just put today's date, it really doesn't matter much.🙂

Can I use a standard Mastercard debit card from JPMorgan Chase for payments abroad—specifically in Canada or Austria—or am I going to need a different type of card?

wanderingrider17 said:Can I use a standard Mastercard debit card from JPMorgan Chase for payments abroad—specifically in Canada or Austria—or am I going to need a different type of card?

You can use it anywhere in the world! 🙂

😍Alright, here's the deal. I’m planning on opening a foreign currency account—specifically one with a Visa card—over at Bank of America. I have a few questions about how this all works. Who's ready to step up and help? THANKS.

I'm planning on using this account for online shopping, sports betting, poker, and all that.

Checking account or savings account? Or does a foreign currency account just exist on its own without those prefixes? 🤣
What's the monthly or annual fee for maintaining an account at Bank of America?
If the bank asks why I need a foreign currency account, am I actually allowed to tell them I plan on using it for gambling? Is that even legal to say? 🤷

This is my first time ever opening a bank account, so excuse me if I ask some stupid questions. I honestly have no clue how banks actually work or what all these different account types even mean. Thanks for the help. 👍

ironstag15 said:😍Alright, here's the deal. I’m planning on opening a foreign currency account—specifically one with a Visa card—over at Bank of America. I have a few questions about how this all works. Who's ready to step up and help? THANKS.

I'm planning on using this account for online shopping, sports betting, poker, and all that.

Checking account or savings account? Or does a foreign currency account just exist on its own without those prefixes? 🤣
What's the monthly or annual fee for maintaining an account at Bank of America?
If the bank asks why I need a foreign currency account, am I actually allowed to tell them I plan on using it for gambling? Is that even legal to say? 🤷

This is my first time ever opening a bank account, so excuse me if I ask some stupid questions. I honestly have no clue how banks actually work or what all these different account types even mean. Thanks for the help. 👍

1. You just need a foreign currency account. There's also a specific type used for receiving wire transfers from abroad.
2. It's about 3-$$1.75/month—you should probably double-check their website.
3. They aren't going to grill you or investigate you. Usually, they just ask so they can try to upsell you on other services like credit cards or online banking. Even if they do ask, you don't need to get into the weeds; just say it's for online shopping or simple savings.

Hey everyone, I was wondering if someone might be able to walk me through a few things.
Basically, my parents set up an account for me at Bank of America a few years back so I could receive some money that was coming my way.
Now that I’ve officially hit adulthood a couple of days ago, I got a letter saying I need to head down to the Bank of America branch to pick up my own card, since my parents don't have authorization over it anymore.
So, I'll be getting a Visa.
What exactly can I do with it?
I figured out that I can load money onto it—though I assume I can't go into a negative balance, right? 😁 - honestly, I'd prefer to keep it that way 🙂 )
I know I can pull cash from ATMs and use it to pay for things (assuming there's enough in there)... but what else is on the table? Can I use it for stuff like PayPal, online betting sites, or eBay? 🙂
Also, what's the deal with the PIN? It didn't come with the card.
There are four digits on the back, and then a few more digits a bit further down—what am I looking at there?
And how do I actually deposit funds onto it?
I'm feeling a little out of the loop here since this is my very first card. 😁

Thanks in advance!

bluecrane18 said:Hey everyone, I was wondering if someone might be able to walk me through a few things.
Basically, my parents set up an account for me at Bank of America a few years back so I could receive some money that was coming my way.
Now that I’ve officially hit adulthood a couple of days ago, I got a letter saying I need to head down to the Bank of America branch to pick up my own card, since my parents don't have authorization over it anymore.
So, I'll be getting a Visa.
What exactly can I do with it?
I figured out that I can load money onto it—though I assume I can't go into a negative balance, right? 😁 - honestly, I'd prefer to keep it that way 🙂 )
I know I can pull cash from ATMs and use it to pay for things (assuming there's enough in there)... but what else is on the table? Can I use it for stuff like PayPal, online betting sites, or eBay? 🙂
Also, what's the deal with the PIN? It didn't come with the card.
There are four digits on the back, and then a few more digits a bit further down—what am I looking at there?
And how do I actually deposit funds onto it?
I'm feeling a little out of the loop here since this is my very first card. 😁

Thanks in advance!

Exactly.

I can pull cash from ATMs, I can pay for stuff (if I actually have funds on there)...

Spot on.

What else can I do? Online stuff—PayPal, betting sites, eBay?

You can.

What about the PIN? I didn't get a PIN with it.

That should've come in the mail at your house. If it didn't, just head down to Bank of America and tell the teller you never got it. They'll cancel the old one and mail a new one to your place in a few days. Pretty sure that's $6.75.

There are 4 numbers on the back, and then 3 more digits further down. What's what?

Those last 3 digits are the CVV; you need those for online shopping.

How do I deposit money onto it?

Just hit up the bank and tell the teller you want to make a deposit. Hand over the card and your ID, and you're all set.

Well, thanks so much—everything makes a lot more sense to me now! 🙂

Does anyone actually know if using a Bank of America card—either a Visa or Mastercard—is currently the cheapest way to pull cash while traveling abroad?

The general info I got was that for anything outside the European Union, they hit you with 0.4% of the total plus $6.75 plus some other tiny fee for "card processing" or whatever...

Then the folks at card services told me it’s the same rate for the rest of the world: 0.4% plus $4.00.

If that's true, it should still beat out most of the other big banks out there.

Oh, there's one more thing I was wondering about..
If I'm using a US dollar account... does that cause any hiccups when I'm shopping online? For instance, if I wanted to order a House t-shirt from www.fox.com. 😁
Would I actually be able to pull that off? I'm just thinking—given that it's a USD account :P
Or say, for something on eBay

If you've got an Intel connection working on your internet, then no worries. You can shop online just like anyone else.