Questions and Answers

So this isn’t a question, more of a review.

I signed up for the Wells Fargo Propel World card and met the minimum spend threshold over two months ago. Because my bonus points haven’t posted, I’ve called the rewards # four times, and called today because they didn’t post yesterday like I was specifically told on my previous call. The reasoning this time was:

“You haven’t made any purchases on the card since ____, so the points are in a “pending state,” because there isn’t a billing cycle being created.”

Who knew that if you don’t make purchases, a billing cycle ceases to exist? I wonder if that logic is in effect if you have thousands of dollars of debt on the card.

So now I have to make more purchases to “trigger” a statement within a one-billing-cyle-window-of-time where the points are in a “pending” state, or the points will go from points purgatory to points hell.

[QUOTE=”Mongolianhippo, post: 21481, member: 1876″]So this isn’t a question, more of a review.

I signed up for the Wells Fargo Propel World card and met the minimum spend threshold over two months ago. Because my bonus points haven’t posted, I’ve called the rewards # four times, and called today because they didn’t post yesterday like I was specifically told on my previous call. The reasoning this time was:

“You haven’t made any purchases on the card since ____, so the points are in a “pending state,” because there isn’t a billing cycle being created.”

Who knew that if you don’t make purchases, a billing cycle ceases to exist? I wonder if that logic is in effect if you have thousands of dollars of debt on the card.

So now I have to make more purchases to “trigger” a statement within a one-billing-cyle-window-of-time where the points are in a “pending” state, or the points will go from points purgatory to points hell.[/QUOTE]

THE WORST bank you can ever imagine. Stay FAR away from them.

I would have a Chase checking account, but the nearest branch is like 500 miles from me. Anyone here maintain a checking account like that being so far away? I just would hate for any issue to come up where I’d need to visit the bank and it would mean driving all day.

My main bank is a credit union that’s 200 miles away in the city where I grew up. I just never bothered to change it. Have never had an issue I can’t resolve over the phone.

I do all of my banking with USAA and Ally (though wife as an account at a local credit union). All done online and on the very rare occasion I’ve had to call USAA, very responsive. ATM rebates as well so I don’t worry about getting cash if I need it.

What do you all do when depositing checks? I’ll get a few every month… is the “scan and upload” method of depositing checks enough these days to replace any need for an ATM? Asking because as soon as I remove direct deposit from Wells Fargo, I have to close the checking account to avoid fees… meaning there’s nowhere to deposit checks or get cash.

Not a problem to do deposits. With their app just take a photo of front and back of check and deposits automatically. Old days would mail checks. So much easier now. Never paid a fee for anything ever, with or without direct deposit. Maybe open an account at a bank that you can just do online banking with and try it out for a few months before moving the rest of your money.

Don’t you have any local banks?

Ha! Yes. Wife has account at local credit union. When younger moved a lot and didn’t want to keep changing banks or pay fees at the bigger banks. Now more settled but so used to banking this way. On rare occasion I go into a branch it’s a weird feeling. Lol!

Sorry, I meant that for [USER=1876]@Mongolianhippo[/USER]

[USER=1876]@Mongolianhippo[/USER] – even with my out of town credit union there are a few select ATMs around town where I can deposit if needed. Far more where I can only withdraw funds.

[QUOTE=”Gaurav, post: 21520, member: 79″]Don’t you have any local banks?[/QUOTE]
I do. My question is about working with a Chase checking account 500 miles away for basically everything, because I’d like to get their new checking account bonus and because I have 6 Chase credit accounts + auto loan. Once I stop direct depositing into my Wells Fargo checking, I’m assuming I would close it to avoid fees associated with not having money stored there and no direct deposits going into it. I’ll be going through a city with a Chase branch this December, so I’m trying to plan in advance.

Also, I’m asking all this because when I go to the Chase website to learn more about their checking accounts, a pop up asks me for my zip code, and then this pops up:

“The Chase product or service you selected is not available in the ZIP code you entered. Please check the ZIP code to be sure it was entered correctly. For more information about our products or services, please [URL=’https://www.chase.com/online/services/customer-service-support.htm’]Contact Us[/URL].”

There was a time when I needed a neighborhood bank. Now, all my bills are paid by electronic transfer, my deposits are scanned into my bank’s App on my phone and I rarely use cash. I went to an ATM today because my bank emailed and said if I didn’t use my debit card in the next 60 days, it would not be reissued. I hardly use an ATM machine any longer unless I’m overseas and I need local cash currency. All my spend is on credit cards and I have little need for US dollar cash – just an occasional tip in a hotel usually. Banking has gotten so much easier!

Yeah, I do everything electronically (for both personal and business purposes). I don’t think I’ve been inside a bank since 2008.

It takes some organization, but it’s possible!