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Best online payment cards?

Started by neonorca11 · · 👁 24 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 …
Keith Sanchez3 Keith Sanchez3 Member
10 messages
joined Aug 2010
#421 ·
Elvis Presley for the explanation!
What about that Visa Electron account from JPMorgan Chase? I'm currently an economics major, so I've been weighing my options there...$1.75 if we're talking monthly fees..., and since you mentioned Bank of America doesn't charge anything on a monthly basis, that sounds like it might be the smarter move. 🙂
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#422 ·
Nothing from JPMorgan Chase works online except for their credit cards (Mastercard, Visa, and Visa).
Rebecca Doyle2 Rebecca Doyle2 Newcomer
6 messages
joined Jul 2010
#423 ·
Elvis Presley to everyone for all the helpful responses! 🙂

I decided to head over to Citigroup to pick up a Visa prepaid card.
Keith Sanchez3 Keith Sanchez3 Member
10 messages
joined Aug 2010
#424 ·
darkmaker94 said:Nothing from JPMorgan Chase works online except for their credit cards (Mastercard, Visa, and Visa).

Well, in that case, I guess Bank of America is my best bet,

thanks so much! 😉
Sarah Vaughn94 Sarah Vaughn94 Newcomer
8 messages
joined Sep 2010
#425 ·
Greetings,

So, I’ve finally managed to pull everything together—got my foreign currency account and my Visa Electron set up over at Bank of America, and I even successfully activated my PayPal account. Everything is officially up and running.

However, I’ve hit a bit of a point of confusion regarding this rule about imports, specifically where it mentions that customs duties aren't charged on items valued under $53. What does that actually entail in practice? I mean, what kind of timeframe are we talking about here? Is it possible for me to just hop online right now and order a thousand different packages, as long as each individual one stays under the $53 mark, without ever worrying about customs fees? And does this apply to all other types of goods as well? Am I essentially looking at an unlimited ability to order a certain number of packages every single day, provided they stay beneath the $53 threshold, or is there some other way the authorities look at these regulations?!
Charles Ramos7 Charles Ramos7 Regular
529 messages
joined Jul 2010
#426 ·
I wouldn't look at it that way. That’s supposed to be for personal use, and if you're ordering the exact same thing every single day, it’s going to be hard to convince anyone it isn't for resale. Back in my hometown, we’d just call that smuggling 😁
slyrider7 slyrider7 Newcomer
2 messages
joined Sep 2010
#427 ·
darkmaker94 said:You open a checking account at JPMorgan Chase. It comes with a Visa Electron card for all your online shopping, there are zero monthly maintenance fees, and you can't go into overdraft...

Does it matter if I open a USD or a domestic account when it comes to activating PayPal? Which one makes more sense if I plan on doing most of my spending online or while traveling abroad?
Is it actually possible to just leave the account sitting empty, then transfer funds whenever I need to buy something? Since I don't have a steady paycheck, I just want something for online shopping or when I'm out of the country.
Ronald Allen Ronald Allen Active Member
160 messages
joined Oct 2010
#428 ·
slyrider7 said:Does it matter if I open a USD or a domestic account when it comes to activating PayPal? Which one makes more sense if I plan on doing most of my spending online or while traveling abroad?
Is it actually possible to just leave the account sitting empty, then transfer funds whenever I need to buy something? Since I don't have a steady paycheck, I just want something for online shopping or when I'm out of the country.

Of course you can. When you need to pay for something, just hit up the bank, deposit the cash (honestly, always throw in a little extra to cover potential fees), and you're good to go!
slyrider7 slyrider7 Newcomer
2 messages
joined Sep 2010
#429 ·
Elvis Presley for the response! 🙂
Robin Thomas Robin Thomas Newcomer
1 message
joined Sep 2010
#430 ·
What’s the easiest way to get an online shopping card through Bank of America or maybe any other bank near Cleveland? I’m looking for something without all the usual hassle—I don't want to deal with proving my income or jumping through hoops regarding my job status. I think I saw someone mention those prepaid cards where you just load up whatever amount you plan to spend and you're good to go. Does anyone know what that specific type of card is called? What should I actually ask for when I walk into the branch to "open" one?

Sorry if this has already been covered somewhere. 🙂
Douglas Garcia24 Douglas Garcia24 Member
24 messages
joined Sep 2010
#431 ·
Robin Thomas said:What’s the easiest way to get an online shopping card through Bank of America or maybe any other bank near Cleveland? I’m looking for something without all the usual hassle—I don't want to deal with proving my income or jumping through hoops regarding my job status. I think I saw someone mention those prepaid cards where you just load up whatever amount you plan to spend and you're good to go. Does anyone know what that specific type of card is called? What should I actually ask for when I walk into the branch to "open" one?

Sorry if this has already been covered somewhere. 🙂

At Bank of America, you could just open a foreign currency account—say, in USD or something similar. In about a week or two, you'll get a Visa Electron chip card (you pick it up at the specific branch where you opened the account) along with a PIN sent straight to your house. They charge about $7 a year for maintenance (which breaks down to $3.50 every six months). I'm actually heading into Bank of America this week to set up both my checking and a foreign currency account, so I figure I'll be an expert on their setup by Friday. 🤣
You might want to wait for Charles Ramos7 or darkmaker94 to weigh in—they're practically banking gurus—👍 but I'm pretty sure what I just described is exactly what you're looking for.
Charles Ramos7 Charles Ramos7 Regular
529 messages
joined Jul 2010
#432 ·
You can actually set up a Visa Electron setup like Douglas Garcia2 suggested by just using cards that aren't accepted everywhere online. You’re probably thinking of those prepaid options, like a Visa from Citigroup or a Mastercard from Hypo.

So, you basically just tell them:

I'd like a Visa prepaid card through Citigroup, or
I want a Mastercard reloadable prepaid card from Hypo. 🙂

Down the road, there's also a third option where they might issue you a standard credit card based on your savings account balance—though they usually don't do that for small amounts unless you ask.
placidcanyon16 placidcanyon16 Newcomer
7 messages
joined Nov 2008
#433 ·
Ronald Allen said:Of course you can. When you need to pay for something, just hit up the bank, deposit the cash (honestly, always throw in a little extra to cover potential fees), and you're good to go!

Hey Ronald Allen—I know you’re the expert when it comes to Goldman Sachs... 🙂 Can you use a Visa Electron linked to a foreign currency account at Goldman Sachs for online shopping?
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#434 ·
Works for me.
briskangler15 briskangler15 Newcomer
2 messages
joined Sep 2010
#435 ·
So, here’s my dilemma—is there actually an online account out there where I can make a payment or set up a transaction using just a standard checking account? Apparently, setting up PayPal requires a credit card, which is a bit of a roadblock for me since I can't get my hands on one right now. I’m trying to pick something up online, but I'm feeling pretty stuck without knowing what other options are out there. Any ideas? Elvis Presley! :-)))
Arthur Kim74 Arthur Kim74 Active Member
91 messages
joined Jun 2010
#436 ·
briskangler15 said:So, here’s my dilemma—is there actually an online account out there where I can make a payment or set up a transaction using just a standard checking account? Apparently, setting up PayPal requires a credit card, which is a bit of a roadblock for me since I can't get my hands on one right now. I’m trying to pick something up online, but I'm feeling pretty stuck without knowing what other options are out there. Any ideas? Elvis Presley! :-)))

You actually don't need a credit card for PayPal...
Personally, I've had my Bank of America checking account linked to my PayPal for years and it works perfectly fine without any issues at all...
You should check out the first page to see which cards are compatible with PayPal...
wearymarlin41 wearymarlin41 Newcomer
1 message
joined Nov 2010
#437 ·
darkmaker94 said:You open a checking account at JPMorgan Chase. It comes with a Visa Electron card for all your online shopping, there are zero monthly maintenance fees, and you can't go into overdraft...

Everything sounds pretty good to me, especially the part about skipping those annoying service fees...
but, I guess I'm a bit stuck on the whole checking account thing... how does that affect the annual income limits we have as students? I can't quite remember if it's $10,000 or $13,000 that's allowed to sit in our accounts before it becomes an issue...

I really just need a card for online shopping, and I need it pretty fast🙂
so I was looking into that Bank of America option, but I'm planning on starting a job very soon..
and I suppose I'm just worried about accidentally blowing past that student limit...
I'm not entirely sure how the debit cards work though... do they charge you a monthly fee for those?
bluestag42 bluestag42 Newcomer
1 message
joined Jan 2011
#438 ·
Can I use a Wells Fargo Maestro card on Amazon UK? If that's a no-go, what's the best way to figure out which of our cards actually work there?
Elvis Presley
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#439 ·
It’s impossible. You can’t use any Maestro card from America for online shopping.
You're stuck using a Visa Electron from Erste Bank, ZAG Bank, Hajduk Split, or Citigroup, or just sticking to credit cards like American Express, Visa, or Mastercard (plus Diners Club if you're buying on Amazon).
silverpanther6 silverpanther6 Newcomer
2 messages
joined Jan 2011
#440 ·
darkmaker94 said:It’s impossible. You can’t use any Maestro card from America for online shopping.
You're stuck using a Visa Electron from Erste Bank, ZAG Bank, Hajduk Split, or Citigroup, or just sticking to credit cards like American Express, Visa, or Mastercard (plus Diners Club if you're buying on Amazon).

Actually, you can use a Citibank Maestro card, provided the merchant accepts Maestro and they have the Visa Secure system set up.

And honestly, their new card design is absolutely stunning.

All high-end electron cards work fine. If you ask me, the smartest move is to open a foreign currency account where you can hold the specific currency you need for your purchases. That way, the exact amount is debited without those annoying extra conversion fees creeping in.
If you're just paying in US dollars, then a standard USD savings or checking account works perfectly.

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