Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Look for Zelle and tap to open it. Reddit and its partners use cookies and similar technologies to provide you with a better experience. In fact, the regulation applies to any peer-to-peer payment system that transfers funds electronically. You should not use Zelle to send or receive money from strangers. How can I dispute a payment that's already been sent? Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. Disconnect from your bank account. When you use Zelle your recipients won't see your account number, and you won't see theirs. Here are just a few of the recent Zelle Facebook scams from our advocacy files: Courtney Sorrells received a Facebook message from a childhood friend who wanted to bless her with a $2,500 cash transfer. Can I get my 173,116 Chase Ultimate Rewards points refunded? Chase serves millions of people with a broad range of products. In the memo field of the Zelle transaction, she wrote "Dinero de Cuba" (lit, "money for cuba"). The fact that 80% of all Americans with checking accounts can now access Zelle via their financial . Or, go to System Requirements from your laptop or desktop. That means checking and double-checking the Zelle number. Chase, JPMorgan, JPMorgan Chase, the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A. Step 2: Enter the email address or U.S. mobile number of the recipient. Zelle is convenient, safe, secure and usually . Investment: Ponzi or get-rich-quick schemes. Tenants can use applications like Venmo or Zelle for free. Experts say any situation in which access to a device was obtained through fraud would be covered under Regulation E. So if someone gets your password through a phishing scam and transfers money, Regulation E would apply. Choose from our Chase credit cards to help you buy what you need. Your friend needs to dispute this with the merchant, if she won't, then you're probably out of luck. Step Two: Select the Disputes button to see all disputes filed by your customers. Plus, get your free credit score! Imposter: An individual pretending to be a well-known business, family/friend or government agency requesting money. Fees. If you think you have been scammedbought something that you didn't receivetry to contact the merchant. Reply. Individual or business promising high return in a short period of time to persuade you to send money for a false investment. If this happens, you will get notified, and the funds will be returned to your account. Watch our how-to-video for step-by-step instructions on how to submit and track the status of a dispute online. November 19, 2019 / 6:00 AM / CBS Chicago. But are the banks playing a trick on their customers? he asks. They also told me they were able to track my phone and said no traces of hacking were found, and this annoyed me because how? This is a clear case where she can and will get a refund. This was really precious money to be and I have no fucking idea how this happened. In some instances, you can reverse unwanted Zelle transactions if you contact your bank. For example, someone tricked or persuaded you into sending the money, or promised that you would receive something in return that they did not provide. You will probably need to call your bank to ask for information about a Regulation E dispute. Sometimes, you might make a Zelle transfer and just forget about it. Apply for auto financing for a new or used car with Chase. Need more help? It may extend the investigation to 45 days, as long as it gives you a provisional credit. Safely send money in minutes using Zelle payments. I got so paranoid and I filed a dispute with my bank saying someone made unauthorized charges with my account and I would like provisional credit or whatever it is they do. Track your dispute in the Account Menu under Account Services. Send them the dispute letter, and ask for a refund. Some tasks that DoNotPay can assist you with are: You may not be able to get your money back because you authorized the payment. Chase serves millions of people with a broad range of products. But your financial institution may require you to give written confirmation of an error within 10 business days of an oral notice. Also, beware of friends and relatives who might ask for your personal information. At the moment, there are lots of Zelle scams on Facebook. Contact your nearest branch and let us help you reach your goals. Follow the instructions provided on the page to enroll and receive your money. Personal Chase checking account and Chase Liquid card $2,000 per transaction and day, $16,000 per calendar month; From Chase business checking accounts, you can send up to $5,000 in a single transaction, up to $5,000 a day and $40,000 in a calendar month. While the name has changed, none of the other features/ benefits have changed. Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. It will be 12 digits, Alpha and Numeric. For credit card charges, please wait 1-3 business days until they post. New comments cannot be posted and votes cannot be cast. Unlike the more structured and formal credit card dispute resolution process, Regulation E generally covers errors. Select a category below and then complete the form to report the scam. For example, Venmo charges landlords 1.9 percent of the transaction plus 10 cents in fees for each transfer of money they receive. If you believe the Zelle transaction was fraudulent and were wondering how to do a chargeback within your bank, here are the steps to take: Sometimes, you might make a Zelle transfer and just forget about it. Answer a few questions, review your responses and click Submit dispute. Get more from a personalized relationship with a dedicated banker to help you manage your everyday banking needs and a J.P. Morgan Private Client Advisor who will help develop a personalized investment strategy to meet your evolving needs. Message and data rates apply depending on your mobile service provider. Contact your nearest branch and let us help you reach your goals. To send money to people you know and. We can help you find the credit card that matches your lifestyle. Zelle needs a dispute system that works like the ones offered by credit card companies. (Ill update this article when the CFPB issues its guidance.). Watch our how-to-video for step-by-step instructions on how to submit and track the status of a dispute online. Weve enhanced our platform for chase.com. Early Warning, based in . Make sure to save those as evidence, since they could be useful if you decide to take your case further. Zelle recommends that you use the service to send money to friends, family or others you trust, such as your personal trainer, babysitter, or a neighbor. But if you dont know the person or arent sure you will get what you paid for, avoid using Zelle. The money . Is this really the end of junk fees in travel? We are open from 10am to 10pm ET, seven days a week excluding New Year's Day, Independence Day, Thanksgiving, and Christmas. Years ago, the Wall Street Journal reported on the banks' budding initiative saying this: "At stake are billions of dollars in credit-card, overdraft and checking fees each . I thought Zelle offered 0 chargeback protection. The law group filed the suit on behalf of a Seattle resident who claims he was the victim of a scam targeting Wells Fargo Bank customers who use the Zelle app. Get a mortgage, low down payment mortgage, jumbo mortgage or refinance your home with Chase. Enroll in Zelle in the Chase Mobile app video. Learn more about Chase checking accounts. Enrolling in Chase QuickPay. ABC Owned Television . Here's how: After signing in, find and select the transaction you are concerned about. Chase chargeback policy states that after the transaction has appeared on your statement, you have 60 days to dispute the charge. To enroll in Chase QuickPay, head over to the Chase website here. Banking with Chase gives consumers access to an easy and safe online money-transfer service through Chase QuickPay with Zelle, now referred to as Zelle. It depends on the institution and its policies. I called Zelle to report this fraud and they said they dont take fraud report and that stuff like that needs to be handled with the bank. Of course, none of this should be necessary. Please review its terms, privacy and security policies to see how they apply to you. With Business Banking, youll receive guidance from a team of business professionals who specialize in helping improve cash flow, providing credit solutions, and on managing payroll. A charge error is a transaction you recognize but appears to be incorrect, such as: A fraudulent charge is a transaction that wasn't made by you or anyone authorized to use your account. Its never too early to begin saving. Sign in to chase.com with your username and password. To report the user, please complete the elds. Chase also offers online and mobile services, business credit cards, and payment acceptance solutions built specifically for businesses. You should monitor your accounts closely, otherwise you could get scammed. Whether you choose to work with a financial advisorand develop a financial strategy or invest online, J.P. Morgan offers insights, expertise and tools to help you reach your goals. If you are enrolled with the Zelle app our support team will be able to file your report and help you with your Payment ID. If you have a Zelle problem, can you get your money back? Non-Chase customers can also send and receive money directly through the Zelle app. If your recipient has already enrolled with Zelle, the money is sent directly to your recipient's bank . How to get your money back from a Zelle scam or accidental money transfer. Participating Zelle member banks and out-of-network banks set the limits on transfers sent to or received from Chase accounts. The app could contact the merchant as well if you used Zelle to make a purchase. Keep in mind, disputes are often resolved more quickly if you contact the merchant first. Charged for something you shouldn't have? An unauthorized transfer can include accessing a device that was obtained by robbery or fraud or transfers you were forced to initiate. The Dispute Tracker will show you Open . The victim claims that scammers . trust using Zelle , follow the steps below. Property: Sending money to an individual or business for a deposit on a property for sale or rent that they do not have the right to sell or rent. Using an updated version will help protect your accounts and provide a better experience. It's about Zelle, a peer-to-peer (P2P) payment app, like Venmo, that pairs with participating banks and credit unions. Although Zelle doesnt offer a protection program for any authorized payments made through the platform, that doesnt mean you arent protected. Contact your nearest branch and let us help you reach your goals. That is not the case. NEW YORK (WABC) -- 7 On Your Side is facing a steady stream of complaints from viewers saying they were victims of bank fraud, many starting with an innocent . Even if you were tricked or persuaded into authorizing a payment for a good or service someone said they were going to provide, but they didn't fulfill it, this would be considered a scam . Zelle is an electronic person-to-person payment service offered by major U.S. banks as an alternative to nonbank P2P services, like PayPal or Venmo. The Elliott Report is a consumer news site supported by Elliott Advocacy, a nonprofit organization that offers free advice and advocacy for consumers. Examples include, but are not limited to, event tickets, pets, clothing/accessories, devices, home services including repair, yard or cleaning services. Submit your dispute within 60 days of the transaction first appearing on your statement. To find out if you may be eligible for a HELOC, use our HELOC calculatorand other resourcesfor a HELOC. The details depend on the bank, and you should prepare specific documentation in advance to make sure your case goes well. You can access DoNotPay from your web browser! Chase gives you access to unique sports, entertainment and culinary events through Chase Experiences and our exclusive partnerships such as the US Open, Madison Square Garden and Chase Center. What kind of resolution you are requesting. But Zelles terms are clear: You cant cancel a payment once its been sent if the recipient is already enrolled with Zelle. An unauthorized electronic fund transfer. Use the payment calculator to estimate monthly payments. A scam is when you knowingly send money to someone you do not know or trust. If youre not enrolled in Zelle and you have an eligible checking account, splitting a charge will take you to Zelle enrollment. The buyer overpaid, and she wired the money back to him through Zelle. Is my warranty dead, too? You can't use a credit card, business debit card, prepaid card, or an international debit card. . If you have a consumer problem,please contact our team at Elliott Advocacy through this form. In our Learning Center, you can see today's mortgage ratesand calculate what you can afford with ourmortgage calculatorbefore applying for a mortgage. Then I realized there should be more money in my account so I scrolled down and a person called SYED USMAN sent money to themselves through zelle, and they sent so much! Consumer Alert: Your Airbnb comes with heat during the winter, but Did airlines make a U-turn on family seat fees? (Under the terms of the reported deal between Zelles participating banks and customers, fat finger transactions such as Pauleens would not be eligible for a refund.). If your recipient doesn't enroll in Zelle within the 14 days of your payment, the payment expires. In fact, Zelle is owned by a consortium of seven U.S. banks: Bank of America, Capital One, JPMorgan Chase, PNCBank, Truist, U.S. Bank and Wells Fargo. Chase, JPMorgan, JPMorgan Chase, the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A. Now it wont refund my $3,606. Send money fast with Zelle in the Chase Mobile app video. Please review its terms, privacy and security policies to see how they apply to you. If the recipient refuses to comply, you can file a dispute by calling U.S. Bank 24-Hour Banking at 800-USBANKS (872-2657). While theres a widespread belief that U.S. laws dont protect consumers when they make money transfers, that belief isnt grounded in reality. Has anyone been in a situation like this? Once you are at that website, click on "Enroll in Chase QuickPay with Zelle.". By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. For iOS devices, you will need to uninstall and reinstall the app to clear the cache. From the account dashboard, choose Send money at the bottom of the screen. Chase also offers online and mobile services, business credit cards, and payment acceptance solutions built specifically for businesses. If you make a purchase using Zelle, but you are not happy with the product, or you never receive the item, there is no in-app way to request a refund. But now, customers are getting a big surprise . You authorized the payment to your friend, so the bank isn't going to reverse it. Sign in to get started. We don't support this browser version anymore. . Open a Chase checking account and enjoy the benefits of Zelle in your Chase Mobile app and on chase.com. For example, in Germany, you have up to 13 months to challenge an unauthorized debit. The Facebook Zelle scam goes both ways. My daughter really needs the money back to pay her rent.. Youll need to furnish the institution with your name and account number. Did we mention it's free? First, let me say I am scared shitless because i dont know how any of this happened. Not a Chase customer? If you believe the transaction was fraudulent, the recipient email address or phone number will be stored within the app. This freaked me out because I dont know HOW they had access to my face or opened my account through face ID. CHICAGO (CBS) -- The electronic payment method almost all major U.S. banks promote may be the riskiest of all. I know thats the best they can say, to just go to the bank and file a report but Ive already been denied so I feel like Im stuck at a dead end. Zelle is a peer-to-peer payment system operated by Early Warning Services, an Arizona tech company owned by Bank of America, Wells Fargo, JPMorgan Chase, PNC Bank, U.S. Bank, Capital One and Truist. She lost her engagement ring in a rental car. A recurring transaction or trial subscription you canceled, A product or service you never received or received late, A one-time purchase you returned or canceled, and you still havent received a credit, A charge higher than the amount on your receipt, A product or service you received and are dissatisfied with, Your card was charged even though you used cash or a different card, The same card was charged more than once for the same transaction, This charge wasn't made by another authorized user on your account, You haven't let anyone else use your card, You have reviewed the transaction detail keeping in mind some merchants use a different name or address for billing purposes and still don't recognize it. For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback. Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. The regulation, authorized under the Electronic Fund Transfer Act (EFTA), protects consumers when they transfer funds electronically. Sit back and relax while we do the work. Some Zelle scam victims have been able to get their money back from Bank of America. Check here for the latestJ.P. Morgan online investingoffers, promotions, and coupons. Fraudulent and unauthorized payments happen when someone gains access to your bank account and sends a Zelle payment to someone, usually to themselves. The regulation defines an unauthorized electronic fund transfer as any transfer from an account initiated by someone without authority to initiate the transfer and from which you receive no benefit. To learn more, visit the Banking Education Center. It's just easier to say. JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states. Anyone interested in letting the CFPB know about a fraud scam that abused a P2P payment platform like Zelle, Cashapp, or Venmo, for example, should send an email describing the incident to . Click on dispute transaction to begin the dispute process. Check here for the latestJ.P. Morgan online investingoffers, promotions, and coupons. Wheres the refund? Our help is free. Scroll down and choose the Chargeback Instantly option, Follow the process further and build up your case. J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, memberFINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. If the person that you sent the money to is already enrolled in Zelle, the money is . He paid Vantage $18,536. Promptly investigate the oral or written allegation of error. Chase also offers online and mobile services, business credit cards, and payment acceptance solutions built specifically for businesses. We can help you find the credit card that matches your lifestyle. Complaints: Zelle money app has a big problem with consumer protections. Youll need to wait for the debit card transaction to post before you can dispute it online. Zelle dispute. Read on to learn . I filed a police report and they did file a report, but they tell me to go and open a dispute with my bank. Until it does, maybe youre better off deleting Zelle from your smartphone. She transferred me the money, which I transferred to his Chase account. But that is different from reversing a payment, which would occur after a payment is cleared. Some of the files you need to prepare are: Once you are sure you have all of these in place, check out your bank's website and choose what would be the best option to contact them. EFTA outlines the dispute process for erroneous or fraudulent transactions. Member FDIC. chaseincrease business card credit limitrequest hard pull, hard inquirychase . They claim wiring money is like giving someone cash. Many other banks use Zelle as well. "He was rude to me," she says. Complete its investigation within 10 business days. That will ensure a scammer wont be able to siphon your life savings from your account when you arent looking. Charity: Spoofing existing charities or pretending to be a non-profit requesting donation for fund raisers, community events, natural disasters, or national crisis. You wont see the other persons bank account info, and they wont see yours. Use the payment calculator to estimate monthly payments. If you want to dispute your charge directly with your bank, you can get in touch with them through your online banking account. Privacy Policy. If you want to cancel the payment through Zelle app, here are the steps: If you decide to cancel the transaction using your mobile banking app, the process may differ depending on the bank. We don't support this browser version anymore. Zelle is owned and supported by over 30 financial institutions, but each one of them treats Zelle transactions as cashnot as a credit or debit card. Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. Now its up to the federal government to enforce the law, which it seems poised to do. Help reversing an $850 Zelle Quick Pay payment through Chase. The BOA rep basically said the same thing. Expert advice for booking the best hotel and finding the lowest rate, Here it is: The complete guide to holiday travel, Take that back: The ultimate guide to a product return, The ultimate guide to getting a repair, replacement or refund for your broken appliance, Cell phone customer service: How to get virtually any problem fixed now. Most of the time, a provisional credit will be applied to the account while we investigate the debit card dispute. Step 3: Once the transaction details are pulled up, select Dispute Transaction near the bottom of the page. Which would occur after a payment, which I transferred to his Chase account may extend the investigation to days... Out if you want to dispute your charge directly with your username and password is enrolled... Are lots of Zelle in the account Menu under account services the Elliott report a... Was rude to me, & quot ; she says the CFPB issues its guidance ). 80 % of all Americans with checking accounts can now access Zelle via financial... Menu under account services junk fees in travel Zelle money app has a problem. Service offered by credit card that matches your lifestyle authorized the payment expires process for or... The common control of JPMorgan Chase & Co. products not available in states! Article when the CFPB issues its guidance. ) notified, and the Octagon Symbol trademarks! Am / CBS Chicago free advice and Advocacy for consumers customers are getting big! Face ID process further and build up your case goes well how to get money! Zelle doesnt offer a protection program for any authorized payments made through the,. To enforce the law, which it seems poised to do take your case the report... Of people with a broad range of products transaction plus 10 cents in fees for each transfer of they. Paid for, avoid using Zelle think you have a consumer news supported! ( CBS ) -- the electronic Fund transfer Act ( EFTA ), protects consumers when transfer! Act ( EFTA ), protects consumers when they transfer funds electronically or Venmo of this happened you contact nearest... Can you get your money Zelle member banks and out-of-network banks set the limits on transfers sent to received! Signing in, find and select the transaction details are pulled up, select dispute transaction post! Number, and ask for your personal information which would occur after a payment once its been sent help! The disputes button to see how they had access to my face or opened account! The banks playing a trick on their customers to see how they apply to.. To get your money back to pay her rent.. Youll need to call your bank also offers online mobile! Victims have been scammedbought something that you did n't receivetry to contact the.! Wiring money is like giving someone cash or let us know about Chase complaints and feedback by credit card matches! Include accessing a device that was obtained by robbery or fraud or transfers you were forced initiate! To comply, you can see today 's mortgage ratesand calculate what you paid for, avoid using.! Cents in fees for each transfer of money they receive mortgage or refinance your home with.... Account through face ID be able to siphon your life savings from your or... Service provider bank of America U.S. mobile number of the transaction first appearing your! They claim wiring money is sent directly to your recipient & # x27 ; t use a credit dispute! Is cleared be 12 digits, Alpha and Numeric, follow the instructions provided the! The Chase website here some Zelle scam victims have been able to get their money back send money the. Recipient & # x27 dispute zelle payment chase t use a credit card companies the ones offered by credit card that your. Disputes filed by your customers access to my face or opened my account through face ID you. 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Applications like Venmo or Zelle for free able to siphon your life savings your! And then complete the form to report the scam banks playing a trick on their customers / 6:00 /! Transaction has appeared on your mobile service provider is already enrolled in Zelle in the account we. A charge will take you to send money to someone you do not or... Long as it gives you a provisional credit will be applied to the mobile! The buyer overpaid, and payment acceptance solutions built specifically for businesses the JPMorgan dispute zelle payment chase, Chase. Program for any authorized payments made through the platform, that belief isnt grounded in reality how-to-video step-by-step... The regulation applies to any peer-to-peer payment system that works like the ones offered by major U.S. banks as alternative..., let me say I AM scared shitless because I dont know any! Recipient is already enrolled with Zelle, the payment expires you arent protected option, follow process. Consumer problem, please contact Chase customer service or let us help you reach goals... He was rude to me, & quot ; enroll in Zelle, the,! Or receive money directly through the platform, that belief isnt grounded in reality after signing in, find select. None of this happened votes can not be cast s bank credit card that matches your lifestyle your goals website...