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Best online payment cards?

Started by neonorca11 · · 👁 32 views · 563 replies

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Participants neonorca11Keith Taylor4Scott Johnson45slyhound5Susan James42crimsonhound3swifteagle15Dennis Lopez46Noah Young16Joshua ChavezChloe Young9Brenda Allen27Kenneth Myers10brisknomad6Nicole Morales3Chris Mitchell11goldenbadger8Richard KellyJoseph Lee9Richard Smith31Peter Williams37Kimberly NguyenHannah Barnes5Henry Moore2 …
William Brown70 William Brown70 Newcomer
1 message
joined Apr 2009
#321 ·
Hey there...

I ordered something through Amazon, but they completely botched the delivery.
They told me the address was undeliverable and said I’d get a refund back to my account within 10 days.

Now, here's the thing—I'm using a Visa debit card from my JPMorgan Chase account. When I first opened this account, the bank told me straight up that I couldn't receive any incoming funds on it. Is this going to be a massive headache when they try to process the refund?

🤷
Sam Reyes47 Sam Reyes47 Newcomer
5 messages
joined Jan 2009
#322 ·
Quick question

Don't laugh, but my newly delivered JPMorgan Chase Visa card says "authorized signature - not valid unless signed" on the back

So... what’s the move? Am I actually supposed to sign it?

Also, the CVV situation is tripping me up—there’s this sticker on it? If I'm seeing this right, there's a 4-digit number printed on the sticker (which looks identical to the number embossed on that 3D bird hologram on the front), and then immediately after the sticker ends, there's a 3-digit number printed directly on the plastic

Which one is the actual CVV?
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#323 ·
Yeah, go ahead and sign it. And just so you know, the CVV is those 3 numbers on the back of the card.
Sam Reyes47 Sam Reyes47 Newcomer
5 messages
joined Jan 2009
#324 ·
And what happens if I simply refuse to sign? 🙂 Just a hypothetical question.
George Barrett35 George Barrett35 Active Member
98 messages
joined Aug 2009
#325 ·
It won't matter at all... you might run into some trouble at a retail store or with JP Morgan Chase because of it, but if that happens, you just sign the paperwork right then and there and call it a day.
Benjamin Smith5 Benjamin Smith5 Newcomer
1 message
joined Jun 2009
#326 ·
It looks like I’m staring at a million different opinions here on which specific cards actually play nice with PayPal and which ones just fail. One thing I’ve noticed, though, is that everyone keeps bringing up JP Morgan Chase and Wells Fargo cards. It makes me wonder—is it just their foreign currency accounts that work, or can you use the standard domestic ones too?
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#327 ·
Rade and everything from the checking account.
Brenda Taylor13 Brenda Taylor13 Active Member
235 messages
joined Jan 2018
#328 ·
So I’ve been reading through the threads here and I am honestly losing my mind—how does it even make sense that two identical VISA Electron cards aren't behaving the same way when I try to buy stuff online? I’ve got one from JP Morgan Chase that works perfectly fine, but then I try using this other one from Bank of America and—bam—total failure. Like, nothing. It just won't go through. I mean, isn't it the exact same thing? They are both VISA Electron cards! What does it matter which bank printed their logo on the plastic or whose name is staring back at me? If it’s a VISA Electron card designed by VISA, it should be universal, right? Regardless of whether it came from JP Morgan Chase or Bank of America? Or am I just being an idiot here...😕
Ronald Allen Ronald Allen Active Member
160 messages
joined Oct 2010
#329 ·
Brenda Taylor13 said:So I’ve been reading through the threads here and I am honestly losing my mind—how does it even make sense that two identical VISA Electron cards aren't behaving the same way when I try to buy stuff online? I’ve got one from JP Morgan Chase that works perfectly fine, but then I try using this other one from Bank of America and—bam—total failure. Like, nothing. It just won't go through. I mean, isn't it the exact same thing? They are both VISA Electron cards! What does it matter which bank printed their logo on the plastic or whose name is staring back at me? If it’s a VISA Electron card designed by VISA, it should be universal, right? Regardless of whether it came from JP Morgan Chase or Bank of America? Or am I just being an idiot here...😕

You're wrong...

Bank of America isn't even set up for online transactions. JP Morgan Chase and Goldman Sachs are... honestly, it's pretty basic stuff. They just aren't as capable.
Brenda Taylor13 Brenda Taylor13 Active Member
235 messages
joined Jan 2018
#330 ·
Ronald Allen said:You're wrong...

Bank of America isn't even set up for online transactions. JP Morgan Chase and Goldman Sachs are... honestly, it's pretty basic stuff. They just aren't as capable.

Oh, I see... so you're telling me Bank of America isn't registered for online shopping, which is why their VISA card won't work either?
Ronald Allen Ronald Allen Active Member
160 messages
joined Oct 2010
#331 ·
Brenda Taylor13 said:Oh, I see... so you're telling me Bank of America isn't registered for online shopping, which is why their VISA card won't work either?

Something like that, I guess.
Brenda Taylor13 Brenda Taylor13 Active Member
235 messages
joined Jan 2018
#332 ·
I honestly don’t get why at Wells Fargo or Goldman Sachs you can just grab a VISA Electron card to go along with both your checking and your foreign currency accounts, while over at JP Morgan Chase or Bank of America, they make you tie it strictly to a foreign currency account. It makes zero sense—just feels like extra hoops to jump through.
Also, quick question for the experts here: is there actually any real difference between a VISA Electron issued by Wells Fargo, Goldman Sachs, or JP Morgan Chase? Like, is one somehow better, or is it all just the exact same plastic junk?
From what I’ve dealt with using my Bank of America one, it won't even work for anything online.
Kimberly Nguyen Kimberly Nguyen Regular
543 messages
joined Jul 2009
#333 ·
Look, VISA is its own massive brand... a bank basically just buys the rights to print the VISA logo on their cards... as for which specific account they’ll link that VISA card to—whether it's a standard debit setup or something else—that's entirely up to them. A single VISA can function as a debit card, a charge card, or even a revolving credit line. For instance, Bank of America offers VISA options for corporate accounts, checking accounts, and as revolving credit cards. As for whether they offer it for anything else? I honestly have no clue. Since I don't carry a VISA with any other banks, I can't speak to their specific setups.
nimblesurfer77 nimblesurfer77 Member
31 messages
joined Mar 2009
#334 ·
Brenda Taylor13 said:I honestly don’t get why at Wells Fargo or Goldman Sachs you can just grab a VISA Electron card to go along with both your checking and your foreign currency accounts, while over at JP Morgan Chase or Bank of America, they make you tie it strictly to a foreign currency account. It makes zero sense—just feels like extra hoops to jump through.
Also, quick question for the experts here: is there actually any real difference between a VISA Electron issued by Wells Fargo, Goldman Sachs, or JP Morgan Chase? Like, is one somehow better, or is it all just the exact same plastic junk?
From what I’ve dealt with using my Bank of America one, it won't even work for anything online.

Personally, I have my Intel card at JP Morgan Chase linked to both my checking and my foreign currency account. It's all basically the same stuff—it's just that Zabiti blocks online transactions on things like PayPal or Moneybookers on their version.
jadewalker47 jadewalker47 Newcomer
4 messages
joined Jun 2009
#335 ·
casualfalcon84 said: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 😢

Kimberly Nguyen said:Just watch your step... you wouldn't want the IRS breathing down your neck asking about your health insurance status next year, would you?

Lavica02, maybe explain what you mean by that? Because I'm literally planning on opening an account at Goldman Sachs right now (since I need that Intel card), and I'm totally lost on what that whole thing with the IRS would even mean?

and, uh, kill me if I'm wrong—if I open a USD account (which is basically like a foreign currency account, but in dollars), is that the same thing as a checking account, or is there some kind of difference? 😁

I guess I just need an account where people can actually send me money, so which one should I end up opening? 😕
vividranger8 vividranger8 Active Member
96 messages
joined Aug 2011
#336 ·
jadewalker47 said:Lavica02, maybe explain what you mean by that? Because I'm literally planning on opening an account at Goldman Sachs right now (since I need that Intel card), and I'm totally lost on what that whole thing with the IRS would even mean?

and, uh, kill me if I'm wrong—if I open a USD account (which is basically like a foreign currency account, but in dollars), is that the same thing as a checking account, or is there some kind of difference? 😁

I guess I just need an account where people can actually send me money, so which one should I end up opening? 😕

What it boils down to is that the IRS has eyes on everything moving through your transaction accounts—you know, your standard checking accounts—because those are used for income, and well, income gets taxed (though how much depends on what kind of money we're talking about, I guess). And whether it's a domestic dollar account or a foreign currency account, they're all essentially the same deal.
jadewalker47 jadewalker47 Newcomer
4 messages
joined Jun 2009
#337 ·
vividranger8 said:What it boils down to is that the IRS has eyes on everything moving through your transaction accounts—you know, your standard checking accounts—because those are used for income, and well, income gets taxed (though how much depends on what kind of money we're talking about, I guess). And whether it's a domestic dollar account or a foreign currency account, they're all essentially the same deal.

aha, so that's the catch! 😁

i mean, that's actually why i went ahead and opened a standard USD account just yesterday. anyone can drop cash in there, whereas with a foreign currency account, it's pretty much just me making deposits.😉
redranger10 redranger10 Newcomer
1 message
joined Dec 2009
#338 ·
I was wondering if it might be possible to use my Goldman Sachs Visa Intel card, which is currently linked to my USD savings account and checking account, to make purchases online...
Furthermore, I am curious about what happens if the item I intend to purchase is priced in Euros while my funds are held in US Dollars. Would I be able to maintain an amount of US Dollars equivalent to that Euro price and successfully complete the transaction using the card tied to my USD accounts?
Arthur Kim74 Arthur Kim74 Active Member
91 messages
joined Jun 2010
#339 ·
redranger10 said:I was wondering if it might be possible to use my Goldman Sachs Visa Intel card, which is currently linked to my USD savings account and checking account, to make purchases online...
Furthermore, I am curious about what happens if the item I intend to purchase is priced in Euros while my funds are held in US Dollars. Would I be able to maintain an amount of US Dollars equivalent to that Euro price and successfully complete the transaction using the card tied to my USD accounts?

So, you’ve got a Visa Intel card from Goldman Sachs. You should be totally fine to register that on PayPal and start shopping... Just make sure you keep enough US dollars in your account to cover the purchase, plus maybe a little extra just to be safe for any conversion fees or small fluctuations when they swap those dollars for Euros... If you want more details, there's actually a whole thread over in the economy of PayPal section where you can find pretty much everything you need to know...😉
fadedseal8 fadedseal8 Active Member
72 messages
joined Dec 2009
#340 ·
Quick question, even quicker answer 🙂.
My girlfriend just got her Visa Electron; I’m picking mine up this week.
She opened a checking account at Chase and received a Visa Electron card. On the back, next to the signature strip, there are four digits plus another three.
Is that the CVV code needed for online shopping??
Just to clarify, it's a standard checking account.
Thanks everyone

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