Best online payment cards?

Paul Williams9 said:I couldn't get anything through Venmo, PayPal, or even my online sportsbook... I actually went down to Chase in person, but they blocked my foreign exchange transfers. I have to head back tomorrow once the branch manager is in... honestly, dealing with these banks is such a headache; I had to bounce between three different branches just to find one that actually knew what was going on.

Isn't that just ridiculous... maybe it's time to switch banks entirely after this mess...

I had zero issues depositing via PayPal with that card yesterday.

What was the actual reason they flagged your card in the first place?

Kimberly Nguyen, :recipe: look, if you think this thread shouldn't even be here, go ahead and shut it down, but please don't drag me down with you. 😍

Anyway, I'm looking to grab a credit card.
I've got zero intention of using it to bail myself out of debt or cover overdrafts.
I just need it for booking flights and general online shopping.
I’m not trying to play some complicated game with rewards or anything.
I’ve got trips planned to the USA and a few other places, and honestly, I am not carrying around a massive stack of cash just to "smooth things over" when I'm out.
So, which one is the cheapest with the best terms? What are you guys actually using?
👍

I'm integrating this with my current... somewhat similar... setup

though => Since you're just starting out in this field => I'm having a bit of a hard time wrapping my head around that part, but....

😘

Thanks. 🙏

Since you’re heading to the States, stick with Visa or Mastercard—they're accepted everywhere. You can usually get them through your bank based on your income or if you set up a CD. They work perfectly fine for online shopping and linking to PayPal too...

Do Mastercard cards without chips actually work in the USA or Canada, or is a chip mandatory now? I mean, if a credit card doesn't have one, will they just automatically reject it at the register?

I was recently traveling through the US, and while most places will still take those old non-chip cards, you'll definitely run into certain retailers where they won't be accepted at all.

I’d honestly suggest going with either Mastercard or Visa if you want to keep things simple

I honestly cannot believe my eyes—my JPMorgan Chase card just won't work for online payments! I mean, what is even the point of having this plastic in my wallet if I can't use it online? It’s absolutely ridiculous. It's like they haven't realized that shopping on the internet is just as standard as walking into a store these days. What an absolute joke!

Does anyone know if I can actually use a JPMorgan Chase card for online shopping? It’s got a CVV and everything—I just want to make sure I don't have to go through the whole headache of opening a brand-new account at some random bank. thanks

I have a question—it might sound a bit trivial or even naive—but I’ve been staring at these bank websites trying to decipher their terms and conditions, and frankly, I’m more confused than when I started.

I am looking for a card (it doesn't necessarily need to be a credit card) that meets the following criteria:

1) The ability to withdraw cash from ATMs without being hit by extra fees. This implies a wide network of machines, so I assume big players like Chase or JPMorgan Chase would be the go-to options here.

2) The option to set up installment payments.

I don't need an overdraft line, and I have no intention of traveling internationally.

However, life isn't always simple. My paycheck is currently deposited at Bank X, and I am unable to switch my direct deposit to a different institution (please, don't ask why 🙄). Additionally, I don't actually live at the address listed on my ID right now; I'm staying somewhere else. Will that cause any issues with the application?

Is there any hope for me? 😁

Brandon Price3 said:I have a question—it might sound a bit trivial or even naive—but I’ve been staring at these bank websites trying to decipher their terms and conditions, and frankly, I’m more confused than when I started.

I am looking for a card (it doesn't necessarily need to be a credit card) that meets the following criteria:

1) The ability to withdraw cash from ATMs without being hit by extra fees. This implies a wide network of machines, so I assume big players like Chase or JPMorgan Chase would be the go-to options here.

2) The option to set up installment payments.

I don't need an overdraft line, and I have no intention of traveling internationally.

However, life isn't always simple. My paycheck is currently deposited at Bank X, and I am unable to switch my direct deposit to a different institution (please, don't ask why 🙄). Additionally, I don't actually live at the address listed on my ID right now; I'm staying somewhere else. Will that cause any issues with the application?

Is there any hope for me? 😁

Regarding the address, mine is different too and it didn't cause any issues. They'll just use the address where you're currently living.
As for the card, a Mastercard from Chase or Wells Fargo would work since they offer installment plans now, but you need to have an account with them and regular deposits. Since you said that's not an option, you can skip those.

Your options are basically just Visa or Mastercard if your bank offers them (it'd be easier if you just said which bank you use) because you still need steady income flowing into the account for those.

Since you mentioned wanting to withdraw cash, I'm assuming you aren't looking at Diners Club or American Express (though for those, it doesn't matter which bank you use, just that you have steady income 😉). Those come with pretty heavy cash withdrawal fees, even though you can use them at any ATM😁.

That leaves you with a standard Mastercard from whatever bank holds your checking account. You can hit their ATMs for free, but you'll get charged at others. They probably won't offer installment plans, so that's about it.

Like I said, it'd be way easier if you just named your bank.

darkmaker94 said:Regarding the address, mine is different too and it didn't cause any issues. They'll just use the address where you're currently living.
As for the card, a Mastercard from Chase or Wells Fargo would work since they offer installment plans now, but you need to have an account with them and regular deposits. Since you said that's not an option, you can skip those.

Your options are basically just Visa or Mastercard if your bank offers them (it'd be easier if you just said which bank you use) because you still need steady income flowing into the account for those.

Since you mentioned wanting to withdraw cash, I'm assuming you aren't looking at Diners Club or American Express (though for those, it doesn't matter which bank you use, just that you have steady income 😉). Those come with pretty heavy cash withdrawal fees, even though you can use them at any ATM😁.

That leaves you with a standard Mastercard from whatever bank holds your checking account. You can hit their ATMs for free, but you'll get charged at others. They probably won't offer installment plans, so that's about it.

Like I said, it'd be way easier if you just named your bank.

If you have your paycheck direct-deposited into a Chase account, they'll let you do interest-free installment plans. Basically, you can buy stuff on credit at certain retailers.

Check out what he said and how I hit him back. 😉

Hey everyone,
I have a quick question... I noticed American Express offers students a card for online shopping, but the catch is that it's only available here in the States. Does anyone know if there's a specific card I could get as a student without a steady income—something strictly for online purchases? For example, if I decide to buy something for $167, I could just head to my bank, deposit $500 or whatever amount, and then use the card to pay online. Honestly, I'd rather not keep bugging my parents to use their credit cards every time I want to buy something small. Thanks! 👍

Just open a foreign currency account at Goldman Sachs or JPMorgan Chase and you'll get a Visa debit card. Toss some cash in there and start shopping. All you need is a driver's license.

My pick? A Visa electron from JPMorgan Chase.
Just keep in mind you’ll need at least $33 in your account, otherwise, services are going to decline the card.
Cheers

My vote goes to the JPMorgan Chase Visa electron.
Just a heads-up: you’ll need at least $33 in your account, otherwise, services are going to decline the card.
Cheers

I’ve heard that at quite a few places where they actually allow Visa Electron, they still won't take it...

You got it wrong. They accept it at basically every online retailer (and even in physical stores).😉