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jmc92

Debit card usage online

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Filed: Other Timeline

So I wanted to buy something for my girl Maria, off of a website called lazada.

But I was wondering what % rate/fee they would charge for using USD for a php item, via bank of america debit/visa cards

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Filed: Timeline

 

So I wanted to buy something for my girl Maria, off of a website called lazada.

But I was wondering what % rate/fee they would charge for using USD for a php item, via bank of america debit/visa cards

Assuming the site is based outside the US. The fee would depend on your bank, anywhere from 0% to 4%. Take note that this fee will still be assessed even if the site charges you in USD.

As for the exchange rates, they are set daily by the card networks (e.g. Visa/Mastercard/Amex) and are generally competitive.

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Filed: Other Country: Philippines
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So I wanted to buy something for my girl Maria, off of a website called lazada.

But I was wondering what % rate/fee they would charge for using USD for a php item, via bank of america debit/visa cards

I would not use a DEBIT card... no protections. Use a credit card


Hank

"Chance Favors The Prepared Mind"

 

 

HandArrow.gif       Visa Process at USEM for the Philippines;  https://www.visaconnection-philippines.com/us-embassy-usem.html

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Agreed. With credit cards you can be protected against unauthorized use. With a debit card, it's a direct line to the funds in your account. So be careful.


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Filed: Other Timeline

Well, I never have more than 20 dollars on this one card at a time, and I used it, and so far so good.

Apparently my bank said there would be no fee but the purchase charge, but I'm keeping a little extra in there just in case.

I'll try to remember to update this, and tell you if my foreign shopping adventure went well ^^

Thanks everyone :)

Edited by jmc92

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Filed: K-1 Visa Country: Philippines
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I agree that you really shouldn't use a debit card online ... or pretty much anywhere! lol, No protection.

But if you must use a debit card make sure that the bank account it is linked to does not have overdraft protection.

The bank will pull from another account and you can get completely drained.

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Hank_, on 03 Dec 2014 - 6:38 PM, said:

I would not use a DEBIT card... no protections. Use a credit card

manilaraf, on 03 Dec 2014 - 11:00 PM, said:

Agreed. With credit cards you can be protected against unauthorized use. With a debit card, it's a direct line to the funds in your account. So be careful.

waveforms, on 04 Dec 2014 - 8:45 PM, said:

I agree that you really shouldn't use a debit card online ... or pretty much anywhere! lol, No protection.

But if you must use a debit card make sure that the bank account it is linked to does not have overdraft protection.

The bank will pull from another account and you can get completely drained.

Wrong, Wrong and Wrong.

According to EFTA (Electronic Fund Transfer Act), if you report a debit or ATM card missing before it's used, you'll be liable for nothing. If you report it missing within two business days of discovering the loss, your liability is capped at $50 for unauthorized charges. However, if you don't report the loss within two business days, you could be held liable for $500. If you don't report unauthorized charges within 60 days of receiving a bank statement with the charges, you could be held liable for the entire amount.


Spoiler

Adjustment of Status

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Filed: Other Country: Philippines
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you know that outfit is run by a guy that went to prison for identity thief?

You can do the same thing for free by contacting the varied credit bureaus

Edited by Hank_

Hank

"Chance Favors The Prepared Mind"

 

 

HandArrow.gif       Visa Process at USEM for the Philippines;  https://www.visaconnection-philippines.com/us-embassy-usem.html

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Hank is right. Just lock down your credit reports and your protected. IT's FREE. You like Free? And you can do it online. Remember to keep your PIN safe and secure and know where it is. Because, if you are applying for credit somewhere they will not be able to access your credit unless you go and unlock your account ( the one that they will access).


Spoiler

Adjustment of Status

AOS March 5, 2014 Submitted AOS with EAD/AP package to Chicago USICS

Delivered March 8, 2014 AOS packaged delivered to USCIS drop box

Accepted March 19, 2014 Text message with receipt numbers

Biometrics April 16, 2014 Biometrics completed

EAD May 23, 2014 Employment Authorization Document approved and went to card production

TD May 23, 2014 Travel Document approved and went for card production

Receipt EAD/AP May 30, 2014 Received combo card EAD/AP

Green Card Approved July 11, 2014 Approved, no interview. Went to card production.

Green Card received July 17, 2014 GC received without interview

Removal of Conditions

Mailed I-751 Dec 16, 2015 Submitted ROC (removal of conditions)

Received Dec 18, 2015 USPS notification of successful delivery

Check Cashed Dec 21, 2015 Check was cashed

NOA-1 Issued Dec 21, 2015 NOA-1 for ROC issued

NOA-1 Issued Dec 26, 2015 NOA-1 Received

Biometrics Appt. Jan 29, 2016 Biometrics Appointment Scheduled [Completed]

 

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