Poll of the Day > I canceled my PayPal debit card...

(+) Yeah! (+)

It doesn't let you use backup funding anymore, it only works if you have a PayPal balance.

Bleh. Fuck 'em.

Any other way to get a card you can spend money from a bank account from that isn't from the bank?

Solid_Sonic posted...

Any other way to get a card you can spend money from a bank account from that isn't from the bank?

...why?

Because I want to spend money out of an account that isn't my primary checking account. Problem is the way my accounts are structured (I have three different accounts in a single product from my bank) I can't get a dedicated debit card for it (I think) even though it is considered a real checking account.

Otherwise I have to move money around as I spend out of my primary checking account, which is too much management for my tastes.

There are convenience stores (at least in my area) that offer cards kind of like what you are asking for, but they usually only work for those stores, or they are more like an American Express card where you are expected to just pay off the balance every month. Or you could pre-paid cards (like I do when buying something from a "sketchy" site), but that goes more into the management thing you are trying to avoid.

Sounds more like you need to restructure your accounts in such a way that it isn't too much management for your tastes. Don't know why you can't just have a checking account with a debit card and one (or two) savings accounts and move money into the checking account when it gets below a certain amount, or split up your paycheck in such a way that your checking account only gets as much money as you want to spend in a week or two.

Solid_Sonic posted...

Because I want to spend money out of an account that isn't my primary checking account. Problem is the way my accounts are structured (I have three different accounts in a single product from my bank) I can't get a dedicated debit card for it (I think) even though it is considered a real checking account.

Otherwise I have to move money around as I spend out of my primary checking account, which is too much management for my tastes.

I'd say talk to the bank. If push comes to shove, they'll very quickly figure out a way for you to use a debit card more conveniently if you threaten to move to a different bank. I'd be very surprised if it comes to that, though. An account structure that allows you to use a debit card easily isn't exactly a rare ask.

What I might do is see if I can take out a credit card (or even just use the one I've already got, although I don't really want to encroach the ones I've already got for their use-cases) and then simply set it up to auto-pay whatever the balance is for that week from said account.

If it comes from my bank that shouldn't be hard to arrange.

adjl posted...

I'd say talk to the bank. If push comes to shove, they'll very quickly figure out a way for you to use a debit card more conveniently if you threaten to move to a different bank. I'd be very surprised if it comes to that, though. An account structure that allows you to use a debit card easily isn't exactly a rare ask.

Only reason I'm leery about this is the fact that said account isn't supposed to work like a checking account, even though it is. The bank positions it as like a short-term savings account that you can build money up for something specific (so like holiday shopping, for instance). But I just use it as a place to store funds that I don't want to slice out of my regular spending money for essentials (bills, food, etc.). A "rec spending" account, basically. I don't keep any money in there with the intent of holding it there for a specific goal, just a place to store money that I designated as for stuff that won't affect the money needed for maintaining my needs.

Just get a credit card and get in the habit of paying it off regularly. Or set it to auto-pay. Just make sure you pay the whole thing every month and don't spend more than you have in the bank.

Credit cards are safer than debit cards because the bank isn't required to refund your money right away if your card is stolen; you may have to wait weeks or months to get your money back and you're SOL until then. With a credit card you don't have to pay the disputed portion of the bill until the investigation is completed.

Some cards have really good rebates. If you have Amazon Prime, their Visa card gives 5% back on Amazon & Whole Foods purchases, sometimes more, plus 2% back on restaurants, gas stations, drug stores, and local transit. Verizon has a Visa card as well; it pays 4% back on grocery store and gas station purchases, stuff you'd have to buy anyway, plus 3% back on restaurants and 2% on Verizon purchases including your phone bill. Costco and Sam's Club have their own cards with 5% back on purchases at their stores and various amounts elsewhere.

Bank credit cards usually have the worst rebate programs; my credit union card just gives 1% back on everything so I barely use it except for stuff that would fall under the "other" 1% category with the better cards anyway.

I would also just use a credit card and pay it off as soon as the charge goes thru

What a damn shame Payenemy got big enough to separate from eBay's teet without dying. I was legitimately hoping they would die after eBay going to managed payments. But they're huge now.

TC I would highly encourage you switch to using a CC

It would absolutely work for your lifestyle and how you manage your funds
it offers better protection than a debit card (faster refunds - money now better than money later)
this without considering points accrual and other benefits CCs can offer

idk ur lifestyle but like I work in a hotel, and we do NOT accept internet-based debit cards. it'd be impossible for you to get a room in a reputable hotel in my city as everyone requires either a Credit Card or a major bank/credit union card in order to check in.

they won't accept your venmo, paypal, netspend, etc "debit cards"

@Solid_Sonic what did you decide to do

captpackrat posted...

If you have Amazon Prime, their Visa card gives 5% back on Amazon & Whole Foods purchases, sometimes more, plus 2% back on restaurants, gas stations, drug stores, and local transit.

This one looks tempting but I read some of the reviews and they seem to have some kind of weird interest system where if you carry a balance any new purchases that are put on the card in addition to the carried balance get interest charged on them as well instead of just the carry-forward balance.

Plus apparently purchases take a long time to post (which could easily factor into this since it means you can carry forward a balance even if you didn't intend to simply by how long it takes for something to get added to your transaction history).

^ poor excuse, why would you ever carry a balance over?

EvilResident posted...

^ poor excuse, why would you ever carry a balance over?

His second paragraph explained exactly that.

Maybe im a CC noob but i never experienced that before. Could be a thing i guess but maybe they handle payments differently if they take a while to post?

Might be, but I expect the actual reason is that people are more likely to forget to pay their card down if there's a larger gap between the purchase and when it posts. Any company with a credit card really likes when people don't pay their balances off immediately, so it's not unusual to see them try to encourage small lapses like that.

Fair

Bump

Well?

Why are you so invested in this?

I did actually end up doing something but I don't know why YOU need to know.

You created a topic on here and engaged with other users. Some of us want to know how the story ends. If you have nothing else to contribute then you should close the topic so as to not lead others on.

Well, fine, I ended up repurposing one of the other credit cards I use from my bank to serve that end.

What I'd really like to do is also attach that account to Privacy.com so I can create burner cards for that account and do my online transactions that way (limiting my credit card to physical purchases so it doesn't easily go overboard). Unfortunately I'm having issues with that right now that I'm trying to work through.

Atta boy. I never heard of Privacy.coms features before - thx Ill look into it

There we go, I got the issue fixed so now I can create burner cards for that account now.

Solid_Sonic posted...

There we go, I got the issue fixed so now I can create burner cards for that account now.

Thats cool, I havent ever found a need to do this yet. You use these for shady websites or something? Not joking or anything, just trying to know What would be the use case

Well for me it's mostly about just being able to pay directly out of that account without having to pay myself later.

I have used it to screw around with shady sites, though. The payment controls and ability to just shut off a card when I don't want to use it anymore are also nice (I used the payment cap thing to back out of a really hard-to-cancel device repair plan from Asurion so they simply wouldn't get paid).

Ahh I see. Cool thanks Ive noted it for future use should I ever need it