Best online payment cards?

Charles Ramos7 said:Of course. I'm talking actual credit cards—not revolving lines of credit—and yeah, they definitely have CVVs. I have one myself, though I rarely pull it out of my wallet.

Do you happen to know if their Intel Visa has a CVV, though? I feel like everyone's saying something different.🙂

Charles Ramos7 said:If you have a foreign currency account at Bank of America, you can usually snag a legitimate Visa or MC card without needing a regular salary😉

Nemo. Unless, of course, you’re sitting on a massive pile of cash in that account.

George Barrett35 said:Nemo. Unless, of course, you’re sitting on a massive pile of cash in that account.

That’s what I thought. Anyway, anyone got an answer to my question above about Intel and CVV?

George Barrett35 said:Nemo. Unless, of course, you’re sitting on a massive pile of cash in that account.

What exactly counts as "massive" to you? (Give me a number.) 😕 Either way, you've gotta have more than your daily card limit available.

Mine has that CCV feature, though I've never actually tried using it for a purchase.

darkmaker94 said:That’s what I thought. Anyway, anyone got an answer to my question above about Intel and CVV?

You've been told at least three times now that both Visa cards (from JPMorgan Chase and Wells Fargo) include a CVV.

darkmaker94 said:Do you happen to know if their Intel Visa has a CVV, though? I feel like everyone's saying something different.🙂

Ima

Quincy:

I’ve been watching this unfold for a while now, and honestly, it’s pretty clear where we’re headed if people don't start waking up to the reality of the situation. It isn't just about one single policy or one bad decision; it’s the cumulative weight of all these systemic failures stacking up until the whole thing feels like it's teetering on the edge. You see it happening in real-time, from the way the big corporations are squeezing every last cent out of the middle class to how the institutions that are supposed to protect us seem more interested in self-preservation than actually doing their jobs. It’s frustrating, sure, but it’s also becoming almost predictable at this point. We talk about change like it’s some looming storm on the horizon, but the truth is the weather has already turned, and most people are still sitting there wondering why it’s suddenly getting so cold. George Barrett35 says: What exactly do you mean when you say "a massive amount of money"? Give me some actual numbers. 😕 Bottom line is, you’ve got to make sure you're sitting on more than whatever the credit limit happens to be. My mom’s got that CCV, though I’ve never actually tried using it to buy anything.

I couldn't give you an exact figure off the top of my head, but it’s clearly going to be more than a few hundred bucks. Honestly, that credit limit feels pretty low to me, unless you're consistently pumping money back into the account every single month. At the end of the day, the bank doesn't care about one lucky windfall; they want to see that you actually have the coverage to back up that credit card on a regular basis.

George Barrett35 said:Ima

Quincy:

I’ve been watching this unfold for a while now, and honestly, it’s pretty clear where we’re headed if people don't start waking up to the reality of the situation. It isn't just about one single policy or one bad decision; it’s the cumulative weight of all these systemic failures stacking up until the whole thing feels like it's teetering on the edge. You see it happening in real-time, from the way the big corporations are squeezing every last cent out of the middle class to how the institutions that are supposed to protect us seem more interested in self-preservation than actually doing their jobs. It’s frustrating, sure, but it’s also becoming almost predictable at this point. We talk about change like it’s some looming storm on the horizon, but the truth is the weather has already turned, and most people are still sitting there wondering why it’s suddenly getting so cold. George Barrett35 says: What exactly do you mean when you say "a massive amount of money"? Give me some actual numbers. 😕 Bottom line is, you’ve got to make sure you're sitting on more than whatever the credit limit happens to be. My mom’s got that CCV, though I’ve never actually tried using it to buy anything.

I couldn't give you an exact figure off the top of my head, but it’s clearly going to be more than a few hundred bucks. Honestly, that credit limit feels pretty low to me, unless you're consistently pumping money back into the account every single month. At the end of the day, the bank doesn't care about one lucky windfall; they want to see that you actually have the coverage to back up that credit card on a regular basis.

The limit is $1500 (which can usually be bumped up after six months), so you’ll definitely need at least a few hundred dollars in there.

From what I've seen, banks these days focus more on your track record—how long your funds have been sitting in the account, whether you're on any blacklists, and stuff like that.

Chase actually offered me a loan three times larger than my actual balance, and I didn't even have any extra collateral set up.

Stopped by JPMorgan Chase today to set up a foreign currency account and get my online banking sorted. Everything was wrapped up in five minutes flat; the teller mentioned my card should arrive in about 10 to 15 days. 👍

Before that, I swung by New York City to close out a savings account. That was... an experience, to say the least. 🙄 I’d estimate she spent at least 20 minutes just trying to close the thing. 😎 It’s funny how they move lightning-fast when they’re taking your money, but as soon as you need something from them, everything grinds to a halt. She’s clicking around on her computer, then heading back to chat with her manager about what to do, then coming back to grab the passbook, then running off to make copies, then returning to stare at the screen because she’s still confused. She even tells me, "Oh, since you haven't made any deposits in a while, you aren't showing up in our system." Basically, if I give them cash and stop showing up, they wipe me from the records, but heaven forbid they accidentally delete a loan entry. Then she takes my ID and makes a photocopy of it too. They act like they’re processing a million-dollar payout or something. 🙄 And of course, there’s that inevitable question: "So, why are you closing this account?" Honestly, I wanted to tell her it's because you guys are incompetent (but I kept that to myself 😬). Anyway, I'm just glad to be done with them. 👍

darkmaker94 said:That’s what I thought. Anyway, anyone got an answer to my question above about Intel and CVV?

From what I gather, you can't really use a standard debit card for online shopping since most people use credit cards for that instead. Debit cards are usually just for direct hits. So, if you made a trip down to Chase just to grab one of those, you probably could've skipped the hassle.

see, you can actually use this

Terry Howard said:From what I gather, you can't really use a standard debit card for online shopping since most people use credit cards for that instead. Debit cards are usually just for direct hits. So, if you made a trip down to Chase just to grab one of those, you probably could've skipped the hassle.

Yet everyone is telling me something different. Whatever, I'll check when it arrives and let you guys know.🙂

If you see a CVV number on there, you might actually be looking at a Maestro card—it’s definitely possible, though I guess you don't see it every day around here...
Anyway, once your card finally arrives, you should probably just get set up on PayPal right away, mostly because they act as a sort of safety net for your cash if a transaction goes sideways through their system... you might want to dig through some of the old threads in the finance section regarding eBay and PayPal to get the full scoop
Most sellers out there pretty much exclusively use PayPal anyway

My TAN card for online banking showed up yesterday. They’re fast, I'll give them that. Only took two business days.👍Now I'm just waiting on my Visa card and PIN to arrive.🙄If the speed stays this consistent, I might actually start liking JPMorgan Chase.🤣 😬 😎 (how can I even argue😬)

When I first realized they were still using those old-school punch cards, my mind immediately jumped back to those massive logarithmic tables we used before "modern" calculators became a thing—and honestly, I crossed them off my list right then and there. To me, that tech feels a bit too dated—it just doesn't offer the same level of peace of mind that today's biometric scanners and hardware tokens provide.
People argue it’s all essentially the same thing, but hey, if I have the luxury of choice, why wouldn't I go with the superior option?🙂

A TAN table?????????
Man, that’s just so old school. I honestly thought everyone had moved on to using at least some kind of tokenization by now.

Card finally arrived. 🙂 Now I just gotta see if it works online before hitting up Target. 😂

Yes, the one where you’re already ahead of the curve.

Does anyone happen to know if my debit card from JP Morgan Chase will actually work?
To be specific, I’m using the standard debit card linked to my checking account, and it clearly says Visa Electron on it, along with a CVV
code. What are your thoughts—is this going to be functional for what I need?

I mean, I suppose it would be necessary if that's actually an option...

You could’ve just opened a foreign currency account at JPMorgan Chase and grabbed a Visa debit card. They have the CVV on the back, so you can shop online just as easily as using a standard Visa.

Tested and confirmed!