Best online payment cards?

I mean, just go ahead and look at whatever you’re planning to buy, and see what else you need to get done first.
I just picked up a game online for about $40 using my Mastercard, and honestly—all I had to do was type in a few numbers from the card and that was basically it.
Maybe 5-10 minutes of work, tops.

Man, I really just wanted this thing to actually work instead of having to ask everyone here... but this is what pops up on my screen whenever I punch in those two numbers...

''Your transaction has been declined by the credit/debit card issuing bank. You can try to:
a. use another debit/credit card
b. use the Back button at the bottom of this page and select to pay with Amazon Checkout, using your PayPal account
c. call Our Sales Department to discuss alternative means of payment.''

I don't know, man—I’ve actually had two successful transactions using just an old card before.
One went through via Visa and the other was on a Mastercard.
Maybe you're just typing in the wrong digits? It took me a minute to figure out which specific numbers they were actually looking for.
The second your bank sends you a notification that the transaction was declined, you really should just give them a call and ask why they're blocking it.
Maybe check with your aunt or something to see where all those different numbers are located on the form online.

darkviper7 said:I don't know, man—I’ve actually had two successful transactions using just an old card before.
One went through via Visa and the other was on a Mastercard.
Maybe you're just typing in the wrong digits? It took me a minute to figure out which specific numbers they were actually looking for.
The second your bank sends you a notification that the transaction was declined, you really should just give them a call and ask why they're blocking it.
Maybe check with your aunt or something to see where all those different numbers are located on the form online.

Thanks for the input, I guess, but look, I'm not some ten-year-old kid who doesn't understand which numbers are supposed to go into a form, and like I already mentioned, those idiots at the bank are completely clueless; I'm done wasting my breath calling them because I've already burned through way too much energy dealing with their nonsense.....

If anyone else happens to have a concrete answer to the questions I asked above, I would be incredibly grateful... cheers.....

I had the exact same headache when I tried using my card through Chase; even though my local branch gave me the all-clear and told me everything was good to go. But then I headed over to Wells Fargo, grabbed that same card, and suddenly it worked perfectly fine without any issues. (Specifically, I’m talking about using it on the BetMGM site).
So, it's clearly not an issue on their end. 🤷
And honestly, you might just be running a bit low on funds, because if you try to deposit right up to the limit, it won't clear since most banks require you to leave a little cushion in the account. 😁

Charles Clark9 said:I had the exact same headache when I tried using my card through Chase; even though my local branch gave me the all-clear and told me everything was good to go. But then I headed over to Wells Fargo, grabbed that same card, and suddenly it worked perfectly fine without any issues. (Specifically, I’m talking about using it on the BetMGM site).
So, it's clearly not an issue on their end. 🤷
And honestly, you might just be running a bit low on funds, because if you try to deposit right up to the limit, it won't clear since most banks require you to leave a little cushion in the account. 😁

I'm running into the same thing with my Bank of America account, so could you tell me how much the bank actually requires to be left in the balance? Because, well... I might have deposited just the absolute minimum... maybe 10-$$5.00 more....

Always make sure you have enough $33 (or whatever that equals in another currency) sitting in your account, plus a little extra buffer for what you plan to spend. 😉

Here's my take.

To shop online using a Visa from JPMorgan Chase, you'll need it linked to a foreign currency account. Opening one is easy—just bring your ID and make sure you're an adult😁. Walk into a branch, tell them you want to open a foreign currency account, pick your currency, sign the paperwork, and you're done. It takes maybe five minutes. Your Visa PIN will show up in your mailbox in about three weeks, which means the card is ready to go. Once you swing by the bank to pick up the physical card, you're all set to start buying stuff.
One big thing: always make sure your foreign currency account has at least $33 (or the equivalent in your chosen currency) plus whatever extra you plan on spending online. If you don't, PayPal (or whatever site you're using) is going to decline the transaction and give you that "denied by credit card issuer" error.😉

If you're planning to link that card to PayPal—which most people do—it’s a smart move to sign up for online banking too. It costs about $1.75 a month, but it lets you track your balance, check your transaction history, move money around, or even trade stocks. Most importantly, you can see those four digits PayPal sends to verify your card. Without online access, you'd have to trek down to the bank or wait for a monthly statement just to see them.

Awesome 👍

Let's keep this momentum going...

Bank of America Visa, linked to my foreign currency account—works great for PayPal stuff, and honestly, it even works as a regular Visa whenever I've tried using it online

Citibank Eurocard/Mastercard—good to have for those spots that don't take PayPal

George Phillips said:Bank of America Visa, linked to my foreign currency account—works great for PayPal stuff, and honestly, it even works as a regular Visa whenever I've tried using it online

Citibank Eurocard/Mastercard—good to have for those spots that don't take PayPal

Look, a Visa is a Visa... you've got credit cards, you've got debit cards... but this one you're talking about, is it actually a debit card?

It's a debit card. And when they said it works just like a "regular Visa," I figured they meant a Visa Classic—which is credit, right? I don't have one myself, so I guess I'm just guessing here, and I hate being wrong about stuff; but I only mentioned it because back when I was opening a foreign currency account at Bank of America a few years ago, the teller there made it super clear that this specific card wasn't actually meant for online shopping 🤷 .
But I went ahead and tried anyway. And hey, it actually works! 😁

Alright, here’s the rundown of what we’ve got on the table so far:

Visa - JPMorgan Chase - debit
Visa instructions

Visa - Bank of America - debit

Mastercard - Citibank - charge

What else am I missing? Don't leave me hanging here.

Honestly, all of this is starting to give me a massive headache.😵
Yesterday, I headed over to Bank of America to open a foreign currency account, and I made sure to get a Visa debit card linked directly to it.🙂 As usual, the lady at the branch was perfectly polite and sweet, but she clearly didn't have a clue what she was talking about. I asked her if that Visa card had a CVV code, and she just gave me this blank, confused look.😕I tried explaining that it’s just that three-digit number on the back of the card, but she looked at me like I was speaking a foreign language! She insisted the number was four digits long and located on the front of the card—which was my "aha!" moment where I realized she had absolutely no idea what a CVV even was. I just nodded and said "okay" because there was really no point in arguing with her. Once I got home, I called the Bank of America customer service line to ask about the code, and the operator told me she didn't know either.🤷I had to scramble to come up with an excuse to hang up quickly, but seriously, if you can't get basic information from your own bank, who on earth can you turn to? I see that some people here have dealt with this before, so I have a few questions:
1. From what I’ve been reading in this thread regarding CVV codes, am I correct in thinking that both Bank of America and JPMorgan Chase offer these Visa debit cards for foreign currency accounts that include a CVV, and that I need to maintain a minimum balance of $33 or roughly $15 depending on the account currency? (True/False)

2. Can I receive transfers from various online companies into these accounts (using SWIFT and IBAN) and then withdraw my cash via ATMs or at a bank teller? (True/False)

3. Is PayPal something similar to PayPal? What kind of experiences have you guys had with it, and what exactly does it allow me to do?

4. I read a post once where someone had issues depositing funds into PayPal using a debit card because when they signed up, they entered their name without any special characters (like accents or diacritics)—for example, typing "Stipe Mason" instead of "Stipe Mason." Is that actually a possibility?

I would be incredibly grateful if anyone could give me some straight answers, even if you can only help me out with just one or two of these questions.🙂

driftingraven53 said:Honestly, all of this is starting to give me a massive headache.😵
Yesterday, I headed over to Bank of America to open a foreign currency account, and I made sure to get a Visa debit card linked directly to it.🙂 As usual, the lady at the branch was perfectly polite and sweet, but she clearly didn't have a clue what she was talking about. I asked her if that Visa card had a CVV code, and she just gave me this blank, confused look.😕I tried explaining that it’s just that three-digit number on the back of the card, but she looked at me like I was speaking a foreign language! She insisted the number was four digits long and located on the front of the card—which was my "aha!" moment where I realized she had absolutely no idea what a CVV even was. I just nodded and said "okay" because there was really no point in arguing with her. Once I got home, I called the Bank of America customer service line to ask about the code, and the operator told me she didn't know either.🤷I had to scramble to come up with an excuse to hang up quickly, but seriously, if you can't get basic information from your own bank, who on earth can you turn to? I see that some people here have dealt with this before, so I have a few questions:
1. From what I’ve been reading in this thread regarding CVV codes, am I correct in thinking that both Bank of America and JPMorgan Chase offer these Visa debit cards for foreign currency accounts that include a CVV, and that I need to maintain a minimum balance of $33 or roughly $15 depending on the account currency? (True/False)

2. Can I receive transfers from various online companies into these accounts (using SWIFT and IBAN) and then withdraw my cash via ATMs or at a bank teller? (True/False)

3. Is PayPal something similar to PayPal? What kind of experiences have you guys had with it, and what exactly does it allow me to do?

4. I read a post once where someone had issues depositing funds into PayPal using a debit card because when they signed up, they entered their name without any special characters (like accents or diacritics)—for example, typing "Stipe Mason" instead of "Stipe Mason." Is that actually a possibility?

I would be incredibly grateful if anyone could give me some straight answers, even if you can only help me out with just one or two of these questions.🙂

We’ve got a thread on PayPal is finally available in America!

driftingraven53 said:Honestly, all of this is starting to give me a massive headache.😵
Yesterday, I headed over to Bank of America to open a foreign currency account, and I made sure to get a Visa debit card linked directly to it.🙂 As usual, the lady at the branch was perfectly polite and sweet, but she clearly didn't have a clue what she was talking about. I asked her if that Visa card had a CVV code, and she just gave me this blank, confused look.😕I tried explaining that it’s just that three-digit number on the back of the card, but she looked at me like I was speaking a foreign language! She insisted the number was four digits long and located on the front of the card—which was my "aha!" moment where I realized she had absolutely no idea what a CVV even was. I just nodded and said "okay" because there was really no point in arguing with her. Once I got home, I called the Bank of America customer service line to ask about the code, and the operator told me she didn't know either.🤷I had to scramble to come up with an excuse to hang up quickly, but seriously, if you can't get basic information from your own bank, who on earth can you turn to? I see that some people here have dealt with this before, so I have a few questions:
1. From what I’ve been reading in this thread regarding CVV codes, am I correct in thinking that both Bank of America and JPMorgan Chase offer these Visa debit cards for foreign currency accounts that include a CVV, and that I need to maintain a minimum balance of $33 or roughly $15 depending on the account currency? (True/False)

2. Can I receive transfers from various online companies into these accounts (using SWIFT and IBAN) and then withdraw my cash via ATMs or at a bank teller? (True/False)

3. Is PayPal something similar to PayPal? What kind of experiences have you guys had with it, and what exactly does it allow me to do?

4. I read a post once where someone had issues depositing funds into PayPal using a debit card because when they signed up, they entered their name without any special characters (like accents or diacritics)—for example, typing "Stipe Mason" instead of "Stipe Mason." Is that actually a possibility?

I would be incredibly grateful if anyone could give me some straight answers, even if you can only help me out with just one or two of these questions.🙂

We’ve got a thread on PayPal and Visa

driftingraven53 said:Honestly, all of this is starting to give me a massive headache.😵
Yesterday, I headed over to Bank of America to open a foreign currency account, and I made sure to get a Visa debit card linked directly to it.🙂 As usual, the lady at the branch was perfectly polite and sweet, but she clearly didn't have a clue what she was talking about. I asked her if that Visa card had a CVV code, and she just gave me this blank, confused look.😕I tried explaining that it’s just that three-digit number on the back of the card, but she looked at me like I was speaking a foreign language! She insisted the number was four digits long and located on the front of the card—which was my "aha!" moment where I realized she had absolutely no idea what a CVV even was. I just nodded and said "okay" because there was really no point in arguing with her. Once I got home, I called the Bank of America customer service line to ask about the code, and the operator told me she didn't know either.🤷I had to scramble to come up with an excuse to hang up quickly, but seriously, if you can't get basic information from your own bank, who on earth can you turn to? I see that some people here have dealt with this before, so I have a few questions:
1. From what I’ve been reading in this thread regarding CVV codes, am I correct in thinking that both Bank of America and JPMorgan Chase offer these Visa debit cards for foreign currency accounts that include a CVV, and that I need to maintain a minimum balance of $33 or roughly $15 depending on the account currency? (True/False)

2. Can I receive transfers from various online companies into these accounts (using SWIFT and IBAN) and then withdraw my cash via ATMs or at a bank teller? (True/False)

3. Is PayPal something similar to PayPal? What kind of experiences have you guys had with it, and what exactly does it allow me to do?

4. I read a post once where someone had issues depositing funds into PayPal using a debit card because when they signed up, they entered their name without any special characters (like accents or diacritics)—for example, typing "Stipe Mason" instead of "Stipe Mason." Is that actually a possibility?

I would be incredibly grateful if anyone could give me some straight answers, even if you can only help me out with just one or two of these questions.🙂

Spot on.

driftingraven53 said:Honestly, all of this is starting to give me a massive headache.😵
Yesterday, I headed over to Bank of America to open a foreign currency account, and I made sure to get a Visa debit card linked directly to it.🙂 As usual, the lady at the branch was perfectly polite and sweet, but she clearly didn't have a clue what she was talking about. I asked her if that Visa card had a CVV code, and she just gave me this blank, confused look.😕I tried explaining that it’s just that three-digit number on the back of the card, but she looked at me like I was speaking a foreign language! She insisted the number was four digits long and located on the front of the card—which was my "aha!" moment where I realized she had absolutely no idea what a CVV even was. I just nodded and said "okay" because there was really no point in arguing with her. Once I got home, I called the Bank of America customer service line to ask about the code, and the operator told me she didn't know either.🤷I had to scramble to come up with an excuse to hang up quickly, but seriously, if you can't get basic information from your own bank, who on earth can you turn to? I see that some people here have dealt with this before, so I have a few questions:
1. From what I’ve been reading in this thread regarding CVV codes, am I correct in thinking that both Bank of America and JPMorgan Chase offer these Visa debit cards for foreign currency accounts that include a CVV, and that I need to maintain a minimum balance of $33 or roughly $15 depending on the account currency? (True/False)

2. Can I receive transfers from various online companies into these accounts (using SWIFT and IBAN) and then withdraw my cash via ATMs or at a bank teller? (True/False)

3. Is PayPal something similar to PayPal? What kind of experiences have you guys had with it, and what exactly does it allow me to do?

4. I read a post once where someone had issues depositing funds into PayPal using a debit card because when they signed up, they entered their name without any special characters (like accents or diacritics)—for example, typing "Stipe Mason" instead of "Stipe Mason." Is that actually a possibility?

I would be incredibly grateful if anyone could give me some straight answers, even if you can only help me out with just one or two of these questions.🙂

Yep, exactly.

P.S. Everything you asked is already broken down in the PayPal thread.😉

Thanks so much for all the helpful answers👍

driftingraven53 said:Honestly, all of this is starting to give me a massive headache.😵
Yesterday, I headed over to Bank of America to open a foreign currency account, and I made sure to get a Visa debit card linked directly to it.🙂 As usual, the lady at the branch was perfectly polite and sweet, but she clearly didn't have a clue what she was talking about. I asked her if that Visa card had a CVV code, and she just gave me this blank, confused look.😕I tried explaining that it’s just that three-digit number on the back of the card, but she looked at me like I was speaking a foreign language! She insisted the number was four digits long and located on the front of the card—which was my "aha!" moment where I realized she had absolutely no idea what a CVV even was. I just nodded and said "okay" because there was really no point in arguing with her. Once I got home, I called the Bank of America customer service line to ask about the code, and the operator told me she didn't know either.🤷I had to scramble to come up with an excuse to hang up quickly, but seriously, if you can't get basic information from your own bank, who on earth can you turn to? I see that some people here have dealt with this before, so I have a few questions:
1. From what I’ve been reading in this thread regarding CVV codes, am I correct in thinking that both Bank of America and JPMorgan Chase offer these Visa debit cards for foreign currency accounts that include a CVV, and that I need to maintain a minimum balance of $33 or roughly $15 depending on the account currency? (True/False)

2. Can I receive transfers from various online companies into these accounts (using SWIFT and IBAN) and then withdraw my cash via ATMs or at a bank teller? (True/False)

3. Is PayPal something similar to PayPal? What kind of experiences have you guys had with it, and what exactly does it allow me to do?

4. I read a post once where someone had issues depositing funds into PayPal using a debit card because when they signed up, they entered their name without any special characters (like accents or diacritics)—for example, typing "Stipe Mason" instead of "Stipe Mason." Is that actually a possibility?

I would be incredibly grateful if anyone could give me some straight answers, even if you can only help me out with just one or two of these questions.🙂

Regarding that specific Bank of America card, you don't actually need any extra cushion—everything goes through fine for me even if the balance hits zero. As for JPMorgan Chase, though, judging by the comments here...

I’ve been using my JPMorgan Chase Visa electron card strictly for online shopping. The other day, I think I overshot my budget just a bit—oops—and a transaction didn't go through. But when I checked my online banking, it shows that specific amount is sitting there as "reserved" for the payment. What does that actually mean? Once I top up my account, will everything be back to normal? Honestly, with this JPMorgan Chase Visa, it hasn't really been worth it if I have to keep an extra $33 buffer in my account on top of what I'm actually spending!