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  1. When I sign at a terminal, I just write out my first name (e.g. "Burger"). I recently applied for an Acorns account with debit card. The signature gets etched into the back of the card. What they use is how I sign my name with my finger on my cellphone on a form on their web page. I must have tried signing my name 50 times, trying to make a signature that looks remotely what mine really looks like. I finally gave up. It looks like I was holding a pen with my left foot, but it will have to do. 😕
  2. Link: https://www.techcrunch.com/2021/05/05/chime-has-agreed-to-stop-using-the-word-bank-after-a-california-regulator-pushed-back/amp/
  3. Do you have a U.S. Social Security Number/Tax ID Number? My thinking is you need a U.S. bank account first before applying for credit. Check the major banks and see if any now allow a non-resident account without applying in person. Maybe try HSBC or Bank of America. That said, I was able to do the opposite: opening a U.K. bank account and credit card without setting foot in the U.K. This was in the 1990's. Things are different now. For that reason, I have no intention of ever closing these accounts because they'll probably be impossible to reopen.
  4. Except when it's below freezing and becomes ice. Once the temperature is above freezing, it returns to its original form (water). It's then wet again.
  5. Some complaints about travelers checks: https://www.consumeraffairs.com/credit_cards/amex_travelers_cheques.html
  6. Do you live in the house? The reason I ask is I feel there is less benefit from adding this to your credit record if you don't. If you need another mortgage to buy your own home, you have this debt to explain. I've paid off my mortgage, so it shows as paid on my credit reports. My FICO went down slightly (I would say about a dozen points) but no biggie. I eventually earned that back when I started a car lease with Chase. That added an installment loan back into my credit record.
  7. My brain works in odd ways, and your post reminded me of something. I knew there was an American Express commercial where Karl Malden told people they can save their American Express travelers checks for emergencies or unexpected expenses. This obviously benefited American Express as it increased the amount of travelers checks that may never be redeemed. I'm sure this encouraged some people to do things like stick travelers checks in their safe deposit boxes and forget about them. I found the commercial:
  8. I forgot when it was, but I had some old American Express $20 travelers checks collecting dust in my safe deposit box. I decided to just make them out to myself, endorse them, and stick them in an envelope in a Wells Fargo Bank ATM (when you needed envelopes, instead of the way checks are scanned at an ATM now). They were credited to my checking account. Easy-peasy. I don't know how it will work now. I have no travelers checks left to try.
  9. He's still alive on YouTube reminding you to "ask for "American Express by name." If they're not American Express travelers checks, according to the commercials, and you lose your travelers checks while in Paris, or on the Orient Express, you're basically screwed.
  10. I'm unsure about physical American Express offices anymore, but a lot of Amex travel agencies show up doing a Google search. Maybe these travel agencies have some sort of agreement with Amex if someone shows up who has lost everything. I remember a long time ago there used to be some American Express ATMs at LAX airport (and others) that were capable of dispensing travelers checks. They've gone the way of the dinosaur.
  11. I've read that BBVA is planning on leaving the U.S. market by selling their retail operations to PNC. The card will probably be eventually transferred to PNC with their terms at some point in the future.
  12. I use both, but I'm kicking myself for being so loyal to my Citibank American Airlines card. Travel is problematic, and miles/points can get devalued at any time. If you can swing it, and not ding your credit record by much, I would look into cash bonuses for opening a new account (but do it sparingly). As an example, if you see something like "$200 cash back after purchasing $1,000 in the first 90 days" at least you know what $200 is worth. I do get pissed-off with the site ThePointsGuy. They're not impartial and they state it right on their site: "The credit card offers tha
  13. I got a letter in the mail yesterday about this conversion, due to Charles Schwab acquiring TD Ameritrade. New cards will be sent in October 2021. No biggie. Years ago I tried to apply for a TD Bank branded credit card but was denied because there is no TD Bank branches in the state I live in, even though I have a TD Bank checking account. Later on I applied for the TD Ameritrade credit card, which is also run by TD Bank. Anyway, I'm still in the TD Bank credit card fold. Charles Schwab has a credit card, that's issued by American Express. I recently opened that. I'm still working
  14. You can always call and ask for the account to be reopened. The longer you wait, the less chance your low odds of getting the account reopened become. The next alternative is to reapply. If you qualified before, you should again unless there are new negatives in your financial history. https://wallethub.com/answers/cc/can-you-reopen-a-closed-credit-card-2140660611/
  15. I still worry about you jumping out the window if the mortgage company zeroes out the balance and declares the mortgage paid in full. As I've mentioned, Wells Fargo Home Mortgage did that to me before I made the last payment. I did, though, get another installment loan trade line when I started a cat lease (Chase Bank). The car lease ends in about a year, when I'll have to decide what will be my next set of wheels.
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