Running Bear's January 2026 Coffee Shop

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NYC_George said:
I just called Chase bank, and they tell me that once you charge something with a company your card whether it has a new number or not, is forever linked with them and whether you authorized the payment or not. It will be coming out of your checking account. The only way you can stop this is call the bank and tell them I want to unlink my account with for example McAfee like I just did. So watch out buying something from some company from Tim Buck Two. Swal
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The way it's been explained to me is not quite like that. I've had a similar experience but I also worked on an app that did credit card processing against a certain commercial backend and I learned a lot about it.

When your card is canceled and a new one is issued (new number), the old card can no longer be used. HOWEVER, there is often a grace period granted to "known customers" who've used the old card in the past, usually on a regular schedule. Think your Netflix monthly bill, monthly utility bill, etc. The credit card company doesn't lose track of the old number -- it is still linked to your account -- and so they allow charges from companies to continue to go through for "a while" if you've done business with the company before -- are known to have been doing business with them. This is mostly a "protection" for the customer and is low-risk to the bank/credit card company. You've been doing approved business with that company in the past, the processing bank knows this, and so lets things like recurring charges and similar go through. You are supposed to update all your recurring charges and stored account numbers but it can take time so the processing banks/credit card companies do this grace period using the old number for a while. Eventually, they'll stop doing it, under the assumption that you've updated all your charges you want within a month or two. It's easy to think you've done them all and forget one that may only be every other month, once a quarter every 6 months, etc.

The credit card company does NOT inform the company making the charge of the new account card number or anything. It's just a grace period granted by the credit card company/processing bank to your existing companies you have a history with ALREADY to help you not get a disruption of some service or be late with a payment while you get caught up with all your updating you need to do.
 
RhB Michael said:
I looked up the pharmacology of the Timolol she gave me for my eyes. It might also slightly help with my blood pressure too. It was 156/80 this morning which is high for me, but I had just finished my third cup of coffee before arriving at the office too, so there's that. Normally with medication and no coffee my pressure is 120/80, or perfect for my age.

All the girls in the office and the doctor were all very pretty. Made the whole experience a pleasure.
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They say cannabis will relieve the pressure and symptoms. 😁
 


Hello to all on the forum..........

65 degrees here today with a cooling trend to 55 on Saturday. Plenty of sunshine. Ranchers and farmers are really needing rain. I can't remember the last time it rained here.

I do a lot of YouTube viewing and one thing I have noticed is that a lot of folks have issues with Chase Bank. A friend of mine had $17,000.00 confiscated by Chase because they thought it came from some questionable transactions. He tried to find out what was going on and they in so many words said they would not discuss it with him because they thought he was not intelligent enough to understand their reasoning. This was over 5 years ago. My friend has hired an attorney, a friend from his church that is handling the case for a small percentage of the settlement, if that ever happens. The attorney says they have to wait 7 years and at that time Chase is required to go to court to present their case. The attorney says Chase has a large group of banking attorneys and that they are hard to work with. Also, my friends attorney says that Chase has done this to others, mostly older folks with not a lot of money in hopes the folks will die before going to court or in a lot of cases, the older folks can't afford to keep up payments to an attorney for seven years.
Chase also has more fraud at their ATM machines than most banks and refuse to reimburse the customers that had their accounts compromised. Some of these folks got reimbursed only after going to a local TV network and their situations were presented, through a news broadcast, to the public.

On a similar note, at one time I had my monthly payments for Direct TV taken out of my bank account. When I finally had enough of Direct TV jacking up my rates, I cancelled my account, returned all equipment and was done, or so I thought. Direct TV continued to bill me for 3 months.
I contacted my bank and was blessed enough to talk to someone there that could help me. That person had just gone through exactly what I was going through. She said, DO NOT EVER sign up to have payments automatically deducted from any of your accounts UNLESS, it be with a utility company you know you will be with for many years. She said, the bank has to jump through a loot of hoops because the agreement for payments you sign with a vendor, favors them and not so much you. Basically the bank just terminates payments on the word of their customers and in most cases can recuperate you overpayments. This is sort of an agreement between the bank and the vendors....your bank holds out the payments to the vendor and the bank trusts that the vendor honors their agreement with the customer.

I now have only one monthly payment paid through a credit card. And that is my monthly cell phone bill that I know will always be paid on time and I also get a $5 per month discount with the card payment plan. I do this to avoid me forgetting a payment and or to avoid a late payment and the fees that go along with that.

Again, each to their own here as I am just passing along info I feel should be shared.
I have found some banks are whole lot more apt to help you than others and some are, in general, just good folks to work with. Others, not so much.

Going to town for milk and bread next and drop off garbage.

Take care....John
 


westtexjohn said:
Hello to all on the forum..........

65 degrees here today with a cooling trend to 55 on Saturday. Plenty of sunshine. Ranchers and farmers are really needing rain. I can't remember the last time it rained here.

I do a lot of YouTube viewing and one thing I have noticed is that a lot of folks have issues with Chase Bank. A friend of mine had $17,000.00 confiscated by Chase because they thought it came from some questionable transactions. He tried to find out what was going on and they in so many words said they would not discuss it with him because they thought he was not intelligent enough to understand their reasoning. This was over 5 years ago. My friend has hired an attorney, a friend from his church that is handling the case for a small percentage of the settlement, if that ever happens. The attorney says they have to wait 7 years and at that time Chase is required to go to court to present their case. The attorney says Chase has a large group of banking attorneys and that they are hard to work with. Also, my friends attorney says that Chase has done this to others, mostly older folks with not a lot of money in hopes the folks will die before going to court or in a lot of cases, the older folks can't afford to keep up payments to an attorney for seven years.
Chase also has more fraud at their ATM machines than most banks and refuse to reimburse the customers that had their accounts compromised. Some of these folks got reimbursed only after going to a local TV network and their situations were presented, through a news broadcast, to the public.

On a similar note, at one time I had my monthly payments for Direct TV taken out of my bank account. When I finally had enough of Direct TV jacking up my rates, I cancelled my account, returned all equipment and was done, or so I thought. Direct TV continued to bill me for 3 months.
I contacted my bank and was blessed enough to talk to someone there that could help me. That person had just gone through exactly what I was going through. She said, DO NOT EVER sign up to have payments automatically deducted from any of your accounts UNLESS, it be with a utility company you know you will be with for many years. She said, the bank has to jump through a loot of hoops because the agreement for payments you sign with a vendor, favors them and not so much you. Basically the bank just terminates payments on the word of their customers and in most cases can recuperate you overpayments. This is sort of an agreement between the bank and the vendors....your bank holds out the payments to the vendor and the bank trusts that the vendor honors their agreement with the customer.

I now have only one monthly payment paid through a credit card. And that is my monthly cell phone bill that I know will always be paid on time and I also get a $5 per month discount with the card payment plan. I do this to avoid me forgetting a payment and or to avoid a late payment and the fees that go along with that.

Again, each to their own here as I am just passing along info I feel should be shared.
I have found some banks are whole lot more apt to help you than others and some are, in general, just good folks to work with. Others, not so much.

Going to town for milk and bread next and drop off garbage.

Take care....John
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Sorry about your friend.

I've been with Chase for over 20 years since they bought out Home Savings. Never a problem. I keep just enough in my accounts to prevent monthly service fees. I transfer back and forth, from Fidelity, as needed without any issues. "Questionable" transaction could have been triggered by an algorithm based on where it was from. Banks are required to report deposits over a certain threshold anyways. I've moved large sums (several much larger than $17k) without any issues.

I agree with you on not allowing a vendor access to your accounts. NEVER. I do online bill pay through Chase without any issues.

If this had been about BofA or Wells Fargo it would not be a surprise. They have been caught doing a lot of sketchy stuff over the years and paid big money fines.
 
I do all my banking with my own money through a few credit unions. But most of my credit cards are through Chase.

I don’t do anything with a debit card except very occasionally in an “emergency “ use it at an ATM to get cash (in the U.S.). The main use is to get cash in Japan and elsewhere through ATMs. In many or most cases your best exchange rates for foreign currency will be in that country through an international ATM capable of working with IS debit networks (Plus etc). You usually get very close to the bank interchange rate and the fees are usually minimal (on the ATM side — make sure you have an international fee free card from your bank). Besides Japan I’ve done it this way in Europe in a few countries. (In Japan the most popular ATM are the 7Bank AKA 7-11 ATM).

When you use your debit card to buy stuff you allow them to take YOUR money. Which is ok except that cards get compromised and fraudulently used and it’s YOUR money that is fraudulently taken. Even if your bank makes good on it, until they do, it’s YOUR money that’s missing and perhaps causing your rent check to bounce or whatever. By using a credit card everywhere, besides the float of just paying it off once a month, it’s the banks money that gets taken when fraud happens. And they’ll work a lot faster to stop it.

I don’t allow any automatic payments against my checking account. And most none against my credit cards. I did have auto payment from a credit card when I used T-Mobile as they gave me a $10 per line discount for auto pay. When they changed it so that it had to be auto pay from a checking account and not credit card I canceled T-Mobile and move to Mint Mobile. No way I was giving them access to my checking account.

I do have my checking account registered with the credit card banks. And I use that to pay them off every month.

I’d recommend to everyone to use a credit card for buying and just record each purchase in your checking register and just off monthly. It’s much much safer.
 
Got a surprise in the mail today, my property tax statement for 2025. It was a bit above the estimate that they sent me back in April or May, but just by $12. I do feel blessed that it is only $32 above last years total, a mere $664 for the 4 bedroom, 1500 sq ft house, 800 sq ft train shed and 14.5 acres. While it is higher than last year, it is lower than 2023 when it was $690, the result of the 2024 tornado destroying my barn and 2 outbuildings. This is one reason of many that I live out in the boonies, both of my brothers in Dallas pay that much every 2 months!
Now to decide whether to send a paper check with a 78¢ stamp on it, or pay an extra dollar to use the credit card online?
 
westtexjohn said:
Hello to all on the forum..........

65 degrees here today with a cooling trend to 55 on Saturday. Plenty of sunshine. Ranchers and farmers are really needing rain. I can't remember the last time it rained here.

I do a lot of YouTube viewing and one thing I have noticed is that a lot of folks have issues with Chase Bank. A friend of mine had $17,000.00 confiscated by Chase because they thought it came from some questionable transactions. He tried to find out what was going on and they in so many words said they would not discuss it with him because they thought he was not intelligent enough to understand their reasoning. This was over 5 years ago. My friend has hired an attorney, a friend from his church that is handling the case for a small percentage of the settlement, if that ever happens. The attorney says they have to wait 7 years and at that time Chase is required to go to court to present their case. The attorney says Chase has a large group of banking attorneys and that they are hard to work with. Also, my friends attorney says that Chase has done this to others, mostly older folks with not a lot of money in hopes the folks will die before going to court or in a lot of cases, the older folks can't afford to keep up payments to an attorney for seven years.
Chase also has more fraud at their ATM machines than most banks and refuse to reimburse the customers that had their accounts compromised. Some of these folks got reimbursed only after going to a local TV network and their situations were presented, through a news broadcast, to the public.

On a similar note, at one time I had my monthly payments for Direct TV taken out of my bank account. When I finally had enough of Direct TV jacking up my rates, I cancelled my account, returned all equipment and was done, or so I thought. Direct TV continued to bill me for 3 months.
I contacted my bank and was blessed enough to talk to someone there that could help me. That person had just gone through exactly what I was going through. She said, DO NOT EVER sign up to have payments automatically deducted from any of your accounts UNLESS, it be with a utility company you know you will be with for many years. She said, the bank has to jump through a loot of hoops because the agreement for payments you sign with a vendor, favors them and not so much you. Basically the bank just terminates payments on the word of their customers and in most cases can recuperate you overpayments. This is sort of an agreement between the bank and the vendors....your bank holds out the payments to the vendor and the bank trusts that the vendor honors their agreement with the customer.

I now have only one monthly payment paid through a credit card. And that is my monthly cell phone bill that I know will always be paid on time and I also get a $5 per month discount with the card payment plan. I do this to avoid me forgetting a payment and or to avoid a late payment and the fees that go along with that.

Again, each to their own here as I am just passing along info I feel should be shared.
I have found some banks are whole lot more apt to help you than others and some are, in general, just good folks to work with. Others, not so much.

Going to town for milk and bread next and drop off garbage.

Take care....John
Click to expand...
John I had some trouble a few years back and went to Chase and they told me we will issue you a new card and that will take care of it. I talked with one of their bankers today and that's not the case. He tells me you have to delink your card with the company that has your card info. This is all news to me. I thought all you had to do was to have a new card with a different 3 number pin, Swal
 
Marlin39 said:
It's schedule 3 now so the 4473 may be getting changed.
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Per the ATF, it is still by Federal law forbidden. Until we can get Congress to change it, it will remain so. I am not trying to get into politics, but there have been 4 attempts this century to change the 1934 law to allow prescribed medical use, but gun control advocates immediately tried to add additional legislation and caused the originators of the bills to pull them.
 
The reclassification of pot to Class 3 controlled substance doesn’t change firearms ownership and purchase restrictions at all according to this article. Because it’s still not legal federally for use medically or recreationally. It’s just easier to do research etc on its uses.

gunsamerica.com

How Pot Reclassification Affects Gun Owners

That warning is still accurate after reclassification. And that means the form isn’t changing.
gunsamerica.com gunsamerica.com
 


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