Best online payment cards?
Started by neonorca11 · · 👁 30 views · 563 replies
Participants
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#202 ·
My Visa Intel card from Zebra Technologies has a four-digit number right under the main card number, and it matches the first few digits of the card itself. Is that actually the CVV?
#204 ·
Fine, let me add my own foolishness to the mix 😛
So, here’s the deal: I have a standard checking account at Chase, and I just got my Visa debit card. It has the CVV on the back and everything, but looking at the discussions here, everyone seems to be saying you need a foreign currency account. Does that mean I actually need to open a separate account, or can I just deposit $100 into my current one and call it a day? In other words, is it even possible to deposit a foreign currency directly into a domestic checking account? I’m clearly out of my depth with these banking structures, so any clarity would be appreciated 😢
So, here’s the deal: I have a standard checking account at Chase, and I just got my Visa debit card. It has the CVV on the back and everything, but looking at the discussions here, everyone seems to be saying you need a foreign currency account. Does that mean I actually need to open a separate account, or can I just deposit $100 into my current one and call it a day? In other words, is it even possible to deposit a foreign currency directly into a domestic checking account? I’m clearly out of my depth with these banking structures, so any clarity would be appreciated 😢
#206 ·
So, 🙂 does that mean PayPal will just pull the dollars from my account and settle everything in euros with the seller?
#208 ·
Just watch your step... you wouldn't want the IRS breathing down your neck asking about your health insurance status next year, would you?
#209 ·
I'm thinking about buying stuff on eBay, and I need one of these cards to do it. I don't really get how credit works, so maybe someone could help me pick one. I assume there are differences. What I really want is something that won't let me go into a negative balance—mostly because I'd hate getting stuck in debt, and I don't want eBay hitting me with extra fees or whatever. Also, I'd prefer if it requires a PIN to use (I guess maybe an American card wouldn't work?). I'm a student, too, so maybe a student union card?
Thanks 😉
Thanks 😉
#211 ·
Let me offer a bit of clarification regarding making purchases online using various credit and debit cards...
When you are using a Visa, you can only shop on the Internet if your issuing bank has specifically enabled that feature. Furthermore, the card itself needs to display all 16 digits—technically referred to as the PAN, or Personal Account Number—and, naturally, the Mastercard must have the Mastercard code printed right on the back.
However, just because a card features a Mastercard doesn't mean an online transaction is a guaranteed success. Whether or not a specific card is cleared for Internet use is tucked away in the fine print of your bank's terms and conditions for that particular product.
The same logic applies to all credit cards (both Visa and Mastercard), though, as a general rule, credit cards come with Internet purchasing enabled by default—even then, exceptions to the rule do exist.
For instance, you won't be able to buy anything online with a standard debit card like a Maestro.
Your PIN is intended solely and exclusively for authorizing transactions at physical point-of-sale locations where you are personally present. During Internet transactions, or when dealing with phone or mail-order sales, a merchant should NEVER ask you for your PIN. If they ever do, contact the local police immediately, as you are looking at a blatant case of credit card fraud...
When you are using a Visa, you can only shop on the Internet if your issuing bank has specifically enabled that feature. Furthermore, the card itself needs to display all 16 digits—technically referred to as the PAN, or Personal Account Number—and, naturally, the Mastercard must have the Mastercard code printed right on the back.
However, just because a card features a Mastercard doesn't mean an online transaction is a guaranteed success. Whether or not a specific card is cleared for Internet use is tucked away in the fine print of your bank's terms and conditions for that particular product.
The same logic applies to all credit cards (both Visa and Mastercard), though, as a general rule, credit cards come with Internet purchasing enabled by default—even then, exceptions to the rule do exist.
For instance, you won't be able to buy anything online with a standard debit card like a Maestro.
Your PIN is intended solely and exclusively for authorizing transactions at physical point-of-sale locations where you are personally present. During Internet transactions, or when dealing with phone or mail-order sales, a merchant should NEVER ask you for your PIN. If they ever do, contact the local police immediately, as you are looking at a blatant case of credit card fraud...
#212 ·
Does anyone happen to know if the VisaCitigroup card from my foreign currency account has a CVV number?
#213 ·
Olivia Kern3 said:Does anyone happen to know if the VisaCitigroup card from my foreign currency account has a CVV number?
I think it's there, but you probably can't use it for NET payments. Not 100% sure though... better double check.
#214 ·
Olivia Kern3 said:Does anyone happen to know if the VisaCitigroup card from my foreign currency account has a CVV number?
The Visa from Wells Fargo does have a CVV code
but you won't be able to use it for online shopping.
#215 ·
It’s something along those lines...
For someone who—let’s say—has an impeccable credit score, I’m looking for a quick breakdown of the pros and cons. Why go through with it? Or why skip it? If you could share a couple of words about yourselves—nothing more than what’s already publicly available online—I’d love to get a more nuanced perspective on this... Thanks in advance...
For someone who—let’s say—has an impeccable credit score, I’m looking for a quick breakdown of the pros and cons. Why go through with it? Or why skip it? If you could share a couple of words about yourselves—nothing more than what’s already publicly available online—I’d love to get a more nuanced perspective on this... Thanks in advance...
#216 ·
Here’s my two cents if you’re someone who actually maintains a solid credit score—if you want to keep an interest in them, don't date a single one of them.
#217 ·
Grace Lee3 said:It’s something along those lines...
For someone who—let’s say—has an impeccable credit score, I’m looking for a quick breakdown of the pros and cons. Why go through with it? Or why skip it? If you could share a couple of words about yourselves—nothing more than what’s already publicly available online—I’d love to get a more nuanced perspective on this... Thanks in advance...
My suggestion is Diners Club
The Diners Club card is a staple, offering all the classic benefits you'd expect. As a Diners Club member, you can use your card at over nine million locations worldwide while enjoying the specific perks Diners Club provides. One of the best features is definitely the free rewards program, which really sets Diners Club apart from other card issuers. Everyone in the Diners Club rewards program earns points by consistently using their card and paying off their monthly statements, which can then be redeemed for various gifts of your choice. The sign-up fee for Diners Club is $40, and the annual fee is $75.
American Express is also a strong option, but the interest rates and fees tend to be higher. For American Express, the sign-up fee is $42 and the annual fee is $83. Diners Club is generally easier to get approved for.
#218 ·
wiredlynx28 said:My suggestion is Diners Club
The Diners Club card is a staple, offering all the classic benefits you'd expect. As a Diners Club member, you can use your card at over nine million locations worldwide while enjoying the specific perks Diners Club provides. One of the best features is definitely the free rewards program, which really sets Diners Club apart from other card issuers. Everyone in the Diners Club rewards program earns points by consistently using their card and paying off their monthly statements, which can then be redeemed for various gifts of your choice. The sign-up fee for Diners Club is $40, and the annual fee is $75.
American Express is also a strong option, but the interest rates and fees tend to be higher. For American Express, the sign-up fee is $42 and the annual fee is $83. Diners Club is generally easier to get approved for.
😂😂😂 Sure, you can use it at 9 million spots, but there are plenty of others where it won't work—like at Walmart, for example.🙂
American Express doesn't get accepted in a lot of places either. If you aren't interested in reward programs or co-branded cards, you're better off just sticking with a Visa or Mastercard.
#219 ·
I’d definitely suggest sticking with a Mastercard or Visa, especially if you’re planning on traveling outside the States.
Seriously, take Germany for instance—I lost track of how many ATMs I tried in Frankfurt, but not a single one would touch my Diners Club card; the only exception was some random machine at the main train station.
Then I go to a hotel and they're basically like, "Diners? Who even is that? Never heard of it... sorry, we can't help you."
Even with Amex, until pretty recently, you couldn't even use it to pay for tolls through the tunnels in Austria.
But with a Mastercard or Visa? I have never, ever had a single issue.
Seriously, take Germany for instance—I lost track of how many ATMs I tried in Frankfurt, but not a single one would touch my Diners Club card; the only exception was some random machine at the main train station.
Then I go to a hotel and they're basically like, "Diners? Who even is that? Never heard of it... sorry, we can't help you."
Even with Amex, until pretty recently, you couldn't even use it to pay for tolls through the tunnels in Austria.
But with a Mastercard or Visa? I have never, ever had a single issue.
#220 ·
wiredlynx28 said:My suggestion is Diners Club
The Diners Club card is a staple, offering all the classic benefits you'd expect. As a Diners Club member, you can use your card at over nine million locations worldwide while enjoying the specific perks Diners Club provides. One of the best features is definitely the free rewards program, which really sets Diners Club apart from other card issuers. Everyone in the Diners Club rewards program earns points by consistently using their card and paying off their monthly statements, which can then be redeemed for various gifts of your choice. The sign-up fee for Diners Club is $40, and the annual fee is $75.
American Express is also a strong option, but the interest rates and fees tend to be higher. For American Express, the sign-up fee is $42 and the annual fee is $83. Diners Club is generally easier to get approved for.
But where are you getting the idea that American Express has higher interest rates and fees than Diners Club? That’s actually quite the opposite. Diners Club carries predatory interest rates, pushing right up against the legal maximum. In about 90% of cases, even when you opt for interest-free installments with Diners Club, they sneak in a 1.5% fee under the guise of "processing costs." American Express doesn't pull those kinds of stunts when you use their installment plans. When it comes to standard purchases, both American Express and Diners Club charge the same 1.5% fee; the real difference is that Diners Club hits you with interest rates around 14%, whereas American Express stays much more reasonable at around 10%.
Furthermore, through American Express, you can secure a cash loan in about ten minutes without any heavy paperwork or administrative headaches. The terms are only slightly less favorable than taking out a standard personal loan at a major US bank like Chase or Bank of America.
The dilemma between American Express vs Diners Club isn't really a dilemma at all—in my view, American Express is a far superior card.
As for traveling abroad, I have to disagree with the notion that Mastercard and Visa are significantly better than American Express. It's true that ATMs are much more widely available for Visa and Mastercard, but I've managed to pull cash using American Express in some incredibly remote parts of the world where finding a Visa or Mastercard ATM was impossible (think Central or South America). Not to mention times in Turkey when every single ATM was emptied out, and I was saved by an American Express emergency cheque. I won't even go there with Diners Club, because once you leave the States, that card is worth little more than the plastic it's printed on.
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