To check the balance on a Money Network card, visit the official Money Network site and sign in to the account, or call the customer service phone number located on the back of the...Are you tired of spending money on store-bought birthday cards? Why not try printing personalized birthday cards for free? With the advancement of technology, it’s easier than ever...What Is the Limit for Apple Card Cash Advances? The Apple Card does not offer cash advances, so there is no cash advance limit. Instead, the card can be used to make purchases anywhee Mastercard ...Jul 10, 2563 BE ... Similar questions ; cash advance on apple credit card Can i take a cash advance on my apple credit card? Does anyone know how to do that? 7 ...Loan App - Payday Cash Advance is the ultimate financial management app for anyone looking to take control of their loans and finances. With Loan Cash, you can easily …Costs and Fees. Cash advances carry costs and fees like any other loan or credit card. Cash App charges a 5% transaction fee for each cash advance but does not charge interest or late fees. This means a $100 cash advance will incur a $5 fee, reducing the net amount received to $95.APR for Cash Advances: 29.99%. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips fromLike a cash advance, you’ll pay interest from the date you make the cash-like transaction. The interest charged for a cash-like transaction is usually higher than for regular purchases. You may also have to pay a fee each time you make a cash-like transaction. If you’re not sure if a particular transaction will be treated as a cash-like ...75,483 points. Jan 1, 2022 4:39 PM in response to Saintnick22. Yes. Apple Card is a credit card. Apple Cash is peer to peer money transfer. Apple Pay is the service that lets you pay with your phone using most credit and debit cards. But, you cannot use Apple Card to send money to someone else, nor to receive a cash advance.May 27, 2022 · Level 6. 10,393 points. May 27, 2022 8:31 AM in response to Chulai1969. Apple Card MasterCard issued by Goldman Sachs does not permit cash advances. This is contained in the Apple Card Customer Agreement which was delivered electronically to you and agreed to by you when you applied for the Apple Card account. Here is a link to a pdf of the ACCA, Apple Pay: The system in your iPhone that makes digital payments possible. Apple Card: A digital and physical credit card. Apple Cash: Like a prepaid debit card in your Apple Wallet that allows ...In today’s digital age, mobile payment apps have revolutionized the way we make transactions. Gone are the days of fumbling through wallets for cash or credit cards; now, all you n...Apple Footer. This site contains user submitted content, comments and opinions and is for informational purposes only. Apple may provide or recommend responses as a possible solution based on the information provided; every potential issue may involve several factors not detailed in the conversations captured in an electronic forum and Apple can therefore provide …Add money to a Netspend card at various participating convenience stores, gas stations and check-cashing stores, which typically charge of fee of between $2 to $5, as of 2015. A cl...When you want to get cash you no longer need to use your physical credit or debit card. In this video we want to show you how to get cash out of an ATM using...Apr 13, 2022 · cash advance on apple credit card Can i take a cash advance on my apple credit card? Does anyone know how to do that? 150 1; 1 reply. Loading page content. In the Apple Cash card info (in Settings or the Wallet app), go to the Info tab. You’ll find it by tapping the (…) button in the upper right of the card in the Wallet app. 2.Open the Wallet app on your iPhone. Tap the Apple Cash card, then tap Send or Request. Enter a recipient or choose a recent contact. Enter the amount, then choose one of the …When Chinese national Liu found himself inside an immigration consultant's office in Vancouver in November 2021 handing over thousands of dollars in cash in …The Apple store sells Macintosh electronic products and accessories, including Mac computers, iPhones, iPads and iPods. The store also sells gift cards for the Apple store and the ...Plans start as low as $2.47/month. Everdraft™, Beem's non-credit alternative to Cash advance, allows you to withdraw $5-$1,000 of verified bank deposits, early. Terms & conditions apply and permitted amount can vary for each user. You can choose how you want to access the funds. Depending on your choice, fees between $0-$4 may apply.Then let your gang earn up to $200 Daily Cash by adding them to your Apple Card * account by Dec. 17. The Apple Card is letting cardholders add up to five users who can each earn a Daily Cash ...*An Apple Cash card is required. Participants under 18 on Apple Card Family accounts must have the family organizer of their Apple Cash Family set up their own Apple Cash card. If you do not have an Apple Cash account, Daily Cash can be applied as a credit by any owner or participant on the account owner’s statement balance by contacting ...Apple Card is a credit card that offers unlimited Daily Cash back on every purchase, but not a cash advance option. You can use Daily Cash to pay down your balance, send or save it, or spend it on Apple products and services.Buying Bitcoin With Apple Cash. Another way to purchase Bitcoin using Apple Pay is by using Apple Cash. Apple Cash allows you to send money from any linked card to a recipient. This can be anyone, all you need is their iMessage details. iMessages are end-to-end encrypted, so you're not sending any payment details in the clear.Based on identical spending inputs, you’ll earn $120.00 cash back per year with Apple Card and $185.16 with Venmo Credit Card. For context, the average annual rewards payout from the cashback credit cards in the investor.com database is $181.73. The annual rewards payout assumes you charge $1,000 each month spread across the …Read reviews, compare customer ratings, see screenshots, and learn more about B9: Fast Cash Advance. Download B9: Fast Cash Advance and enjoy it on your iPhone, iPad, and iPod touch. ... - B9 Visa® Debit Card with up to 5% Cash back - B9 Advance℠ (from $30 to $100) [1] ... Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.Are you an avid Apple user looking to unlock the full potential of your device? Whether you are a beginner or an advanced user, online courses can be a great way to enhance your sk...Google Pay. PayPal. Ideal (donations from Netherlands to fundraisers in Netherlands only) Norway, Switzerland. Apple Pay. Google Pay. Klarna. If you’re having trouble making a donation, please review this article for additional help. Donors have a few different options to pay for their donation based on the country the fundraiser was created ...Beem (formerly Line) is better than any instant cash advance apps, payday loans, personal loans and credit products. Subscribe to withdraw verified bank deposits, early, get job loss protection, file taxes and more. Plans start as low as $2.47/month. Beem is not a payday loan or a cash advance app. Everdraft™, a challenger to the Cash advance ...Hello ~ No. Apple Card does not provide cash advances. You may see the terms and conditions in your wallet app. ~Katana-San~ Show more Less. Reply. Link. of 1; Can I take a cash advance on my new Apple Card? Welcome to Apple Support Community A forum where Apple customers help each other with their products. Get started with your Apple ID.Jul 26, 2023 · 10,736 points. Posted on Jul 26, 2023 11:01 AM. Apple Card MasterCard does not permit Cash Advances. It would be against the Terms & Conditions of the Apple Card Customer Agreement. Macworld. The Citi Costco Anywhere card offers higher cash back than the Apple Card in select categories. For example, the Discover it Cash Back card offers 5 percent back on a series of rotating ...Open the Wallet app on your iPhone. Tap the Apple Cash card, then tap Send or Request. Enter a recipient or choose a recent contact. Enter the amount, then choose one of the …An Apple Cash card is required to use Daily Cash, except if you do not have an Apple Cash card, in which case you can only apply your Daily Cash as a credit on your statement balance. The Apple Cash card is issued by Green Dot Bank, Member FDIC.Download EarnIn for easy, instant access to your money when you want it. - Get up to $100/day and up to $750/pay period as you work to handle financial emergencies, cover loan payments, or keep up with day-to-day expenses. - Better than a cash advance or payday loan – get money from your own pay instantly [3]This includes: 3 percent back on Apple purchases and purchases made with select merchants when you use your Apple Card and pay with Apple Pay; current merchants include Ace Hardware, Exxon, Nike ...Aug 22, 2019 · 3. Apple Card offers up to 3% cash back. In addition to no fees, Apple Card offers unlimited cash back on purchases. Card users will get 3% cash back on everything they buy from Apple, including ... By Serhat Kurt Posted on March 14, 2023 Reading Time: 3 minutes. You cannot get a cash advance from your Apple credit card. Apple Card does not offer this feature. However, a lot of other credit cards offer this. As of now, Apple Card is only used to make purchases. The Apple credit card uses the Mastercard network, which means that you can …Jan 1, 2565 BE ... But, you cannot use Apple Card to send money to someone else, nor to receive a cash advance.Sports cards have been a beloved collectible for decades, capturing the hearts of fans and collectors alike. However, as time goes on, you may find yourself wondering what to do wi...Apr 18, 2566 BE ... สำหรับเงื่อนไขการให้บริการเมื่อมีการเปิดบัญชีแล้ว Daily Cash หรือ cash back จากการซื้อผลิตภัณฑ์แอปเปิลจะถูกโอนเข้าสู่บัญชีเงินฝากโดยอัตโนมัติ รวมถึงการโอนเงินจา...Jan 6, 2021 · This is a regular credit card that can be used anywhere a MasterCard can be used. It is a pure credit card though and cash advance is not possible because Goldman Sachs maddest that way. Not all credit card allow for cash advances. It is a protection for the user. Apple Vision Pro: Open the Settings app, tap Wallet & Apple Pay, tap your Apple Cash card, then tap Add Money. Enter an amount. The minimum is $10. Tap Add. Authenticate with Face ID, Touch ID, Optic ID, or your passcode. Face ID: Double-click the side button, then glance at your iPhone or iPad to approve. Touch ID: Lightly place your …Download EarnIn for easy, instant access to your money when you want it. - Get up to $100/day and up to $750/pay period as you work to handle financial emergencies, cover loan payments, or keep up with day-to-day expenses. - Better than a cash advance or payday loan – get money from your own pay instantly [3]An unofficial community to discuss Apple Card / Apple Card high yield savings account / Apple Daily Cash and the related news, rumors, opinions and analysis surrounding the titanium rectangle from the fruit company. ... I have a PayPal master card for 2% but PayPal said sending money to a non merchant person will be considered a cash advance ... In Ohio, loans offered by Advance America Cash Advance Centers of Ohio, Inc., Lic.# ST. 760166.000, main office located at 322 Rhett St., Greenville SC 29601. In Texas, loans arranged with an unaffiliated third-party lender by ACSO of Texas, LP. d/b/a Advance America, a registered credit services organization (“CSO”), and subject to lender ... The Goldman Sachs rep I just talked to said that it’s because there isn’t a cash advance option with Apple Card and that people can potentially use PayPal as a workaround. So all PayPal (plus Cash app, Venmo, and the like) will always be declined. Still a bummer, but at least there’s an explanation.The Apple Mastercard from Goldman Sachs is a good credit card for people who make a lot of purchases with Apple Pay, and it’s easily worthwhile given its rewards and $0 annual fee. Apple purchases made with the Apple Card via Apple Pay will yield 3% cash back, while other Apple Pay charges will provide 2% back.There is a cash advance fee: The Venmo Credit Card cash advance fee is 5% (min $10). There may be ATM-owner fees, too. Cash advances require a PIN: To use an Venmo Credit Card for cash advances at an ATM, you will need a PIN. If you don’t already have one, you can make a request over the phone at (855) 878-6462.Are you tired of spending money on store-bought birthday cards? Why not try printing personalized birthday cards for free? With the advancement of technology, it’s easier than ever...Learn how to earn and use Daily Cash, the rewards currency of the Apple Card, on every purchase. Daily Cash can be deposited to an Apple Savings account …In the Apple Cash card info (in Settings or the Wallet app), go to the Info tab. You’ll find it by tapping the (…) button in the upper right of the card in the Wallet app. 2. Apple Cash is a digital card that lives in Wallet. It’s an easy way to send and receive money from Messages or from Wallet. And because it’s a digital card, your Apple Cash can be spent in stores, online, and in apps with Apple Pay. You can view your Apple Cash balance on your Apple Cash card in the Wallet app or in Settings > Wallet and ... How to set up Apple Cash. Open the Settings app on your iPhone, iPad, or Apple Vision Pro. Scroll down and tap Wallet & Apple Pay. Turn Apple Cash on. Under Payment Cards, tap Apple Cash. Tap Continue, then follow the instructions on your screen. When someone sends you money, it's automatically and securely kept on your Apple Cash card.Jun 11, 2023 · Cash Advances Can I get a cash advance using my Apple Card? 223 1; Cash advance? Is there a cash advance feature on the card? 161 1; 1 reply. Loading page content. Best Cash Advance Cards From a Major Issuer. We give top honors to Capital One for its low 3% cash advance fee, which stands in contrast to the standard 5% charged on the cards from other major issuers. Capital One credit cards consistently have high cardmember ratings for their competitive cash back and rewards points offerings.Get unlimited Daily Cash with Apple Card. Learn how you can receive a percentage of every purchase you make with Apple Card back as Daily Cash. Learn about Daily Cash. Check your spending activity. See …Yes, that is normal. In addition to a 3% fee from Apple Pay Cash for funding a payment with a credit card, your card issuer may treat the payment as a cash advance and charge its own fees accordingly. To avoid these charges, use either a debit card or a credit balance on your Apple Pay Cash card. More information:Created by Apple and designed for iPhone, Apple Card brings together Apple’s hardware, software and services to transform the entire credit card experience. Cupertino, California — Apple today announced Apple Card, an innovative, new kind of credit card created by Apple and designed to help customers lead a healthier financial life.Loan App - Payday Cash Advance is the ultimate financial management app for anyone looking to take control of their loans and finances. With Loan Cash, you can easily …Nov 23, 2023 · Here are the Apple Card’s most notable features: Cash-back rewards: Offers 3% cash back on Apple purchases, ... APR: 19.99% on purchases and 22.99% on cash advances. Apple Pay: The system in your iPhone that makes digital payments possible. Apple Card: A digital and physical credit card. Apple Cash: Like a prepaid debit card in your Apple Wallet that allows ...Nov 3, 2023 · 4.0. NerdWallet rating. Brigit is a budgeting app that can get you up to $250 whenever you need it. Unlike most other cash advance apps, Brigit doesn’t ask users to provide a tip. The app’s ... Balance transfer checks might be a way to work around the Apple Card balance transfer problem. These are checks sent from credit card companies that you can use to pay off the balance on one credit card and move it to another. Say you owe $5,000 on your Apple Card. You might apply and qualify for a new credit card and request a …However, you can use the Apple Card for purchases wherever cards on the Mastercard network are accepted. The fact that Apple Card cash advances are not an option might actually be a blessing in disguise. Cash advances are very expensive, thanks to a cash advance fee and a separate cash advance APR that apply as soon as you …Apple Footer. This site contains user submitted content, comments and opinions and is for informational purposes only. Apple may provide or recommend responses as a possible solution based on the information provided; every potential issue may involve several factors not detailed in the conversations captured in an electronic forum and Apple can therefore provide …Payday cash advance apps provide fast, low-cost loans based on your upcoming paychecks. The apps work by fronting your cash from your next paycheck. Most will only let you borrow $100 to $250 per day to get started, but the amount could increase as you borrow more. In most cases, apps that give you a payday advance don’t charge …Call 8423-3888 to avail. Show more. Compare the various Citi Cash Loans and Installment payment solutions to get cash, finance a purchase, or refinance debts. Apply for instant cash loans now.Access a Credit Builder loan of up to $1000 & exclusive services with a membership. MoneyLion is not affiliated with other money apps, loan apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Possible Finance, TurboTax, IRS2Go, TaxAct, Earnin, Empower, Cleo, Brigit, or Kikoff. 1 Instacash is a 0% APR cash advance service ...19.24% to 29.49% Variable. Recommended Credit. N/A. Rewards Rate. 3%. Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple. 2%. With every purchase you make using your ...Jun 26, 2022 · “Cash Advance and Cash Equivalents” means any cash advance and other cash-like transaction, including purchases of cash equivalents such as travelers checks, foreign currency, or cryptocurrency; money orders; peer to peer transfers, wire transfers or similar cash-like transactions; lottery tickets, casino gaming chips (whether physical or ... Learn how to add Apple Card to your devices. In places where Apple Pay isn't accepted, use your titanium card or virtual card number. 1. If you make Apple Card your default card in Wallet, it's automatically selected when you use Apple Pay. This also makes Apple Card your preferred card for the App Store, Apple Music, and other Apple services. Based on identical spending inputs, you’ll earn $120.00 cash back per year with Apple Card and $185.16 with Venmo Credit Card. For context, the average annual rewards payout from the cashback credit cards in the investor.com database is $181.73. The annual rewards payout assumes you charge $1,000 each month spread across the …1%-3% Cashback. Intro Offer. N/A. Recommended credit score. Intro APR. N/A. Regular APR. 19.24%-29.49% Variable APR. Rates, fees and offers. Annual fee. No Fees* …10,736 points. Posted on Jul 26, 2023 11:01 AM. Apple Card MasterCard does not permit Cash Advances. It would be against the Terms & Conditions of the Apple Card Customer Agreement.Empower will float you up anywhere from $10 to $250 when you need it most. Instant delivery available. No interest, no late fees, no credit checks. Just pay us back when you get your next paycheck. — Automated repayment with your next paycheck, typically between 1 day and 3 weeks. — No interest (0% APR)A credit card’s cash advance limit is usually based on a percentage of your card’s overall credit limit. While some cards allow you to take a cash advance of up to 50% of your overall credit limit, 20% to 30% is typical. For example, if your credit limit is $20,000 and your card has a cash advance limit of 30%, your cash advance limit is ...Download EarnIn for easy, instant access to your money when you want it. - Get up to $100/day and up to $750/pay period as you work to handle financial emergencies, cover loan payments, or keep up with day-to-day expenses. - Better than a cash advance or payday loan – get money from your own pay instantly [3]Sports cards have been a beloved collectible for decades, capturing the hearts of fans and collectors alike. However, as time goes on, you may find yourself wondering what to do wi...Am I able to withdraw cash using my apple credit card? Is there an option to withdrawal cash using my apple credit card. 2 years ago 599 1. Can you withdraw …10,689 points. May 26, 2022 7:32 AM in response to melton132. Unfortunately cash advances are not permitted on your Apple Card MasterCard. This information is contained in the Apple Card Customer Agreement which was delivered to you electronically when you applied. Here’s a pdf of the document for your convenience, https://www.goldmansachs ...The credit contract will include details of the specific cash advance fee that applies to a particular credit card. Say someone withdraws $500 – if the cash advance fee that applies is $15 (assuming a cash advance fee of 3%), that person could pay the cash advance interest rate on $515 from the date of the transaction. disclaimer.Feb 14, 2024 · With the Apple Card, you can earn the following rewards: 3% cash back at Apple and select merchants. As of January 2024, eligible merchants include Ace Hardware, DuaneReade, Exxon, Mobile, Nike ... Yes, that is normal. In addition to a 3% fee from Apple Pay Cash for funding a payment with a credit card, your card issuer may treat the payment as a cash advance and charge its own fees accordingly. To avoid these charges, use either a debit card or a credit balance on your Apple Pay Cash card. More information:Convert your credit limit into CASH and enjoy low monthly add-on rates with your BDO Credit Card. ... BDO Installment Card . Activate your new BDO Installment Card and get CASH up to 100% of your available credit limit! Enjoy as low as 0.45% monthly add-on rate! Promo Period: January 15 to April 30, 2024. Learn More. BDO Credit Cards .Dave – Borrow up to $500 from the OG cash advance app. Dave is probably the first app of its kind to directly address the overdraft fees problem. As a pioneer in the cash advance game, roughly 10 million people now use Dave to borrow up to $500 nearly instantly with zero interest and no credit check. 7.Apple Card is a credit card that offers Daily Cash on purchases, but does not provide cash advance or cash out features. To access Savings, you need to open a separate …4.0. NerdWallet rating. Brigit is a budgeting app that can get you up to $250 whenever you need it. Unlike most other cash advance apps, Brigit doesn’t ask users to provide a tip. The app’s ...No. Apple removed credit cards a little over 3 weeks before the Apple Card announcement. Most likely to prevent people sending money to a friend, earn 3% and send it back for free rewards. Apple Card cannot be used on any other money sending services at this time.Aug 21, 2019 · 3. Apple Card offers up to 3% cash back. In addition to no fees, Apple Card offers unlimited cash back on purchases. Card users will get 3% cash back on everything they buy from Apple, including ...
Sadly, no. Apple cards have no cash advance or withdrawal features for you to process cash withrawals. Think of the cards as exclusively virtual credit cards. ... Apple cash is the digital card that you have in your wallet. It is accepted across in-stores, in-apps and convenient stores like Valero, Citgo, including Wawa that's known for its .... Pge ev rate
Apple Pay: The system in your iPhone that makes digital payments possible. Apple Card: A digital and physical credit card. Apple Cash: Like a prepaid debit card in your Apple Wallet that allows ...19.24% to 29.49% Variable. Recommended Credit. N/A. Rewards Rate. 3%. Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple. 2%. With every purchase you make using your ...You need Amex. You can send money on Venmo with Amex cards for free. yesu321. •. Create 2 paypal accounts send as friends and family connect ur apple card, should be no fees. Or try Revolut US and see how they process top ups. Working_Rise8592. • 1 yr. ago. I’ve done this by sending money to a friend and sending it back.A credit card’s cash advance limit is usually based on a percentage of your card’s overall credit limit. While some cards allow you to take a cash advance of up to 50% of your overall credit limit, 20% to 30% is typical. For example, if your credit limit is $20,000 and your card has a cash advance limit of 30%, your cash advance limit is ...Apply for Apple Card on your iPhone. Open the Wallet app and tap the Add button. Select Apple Card, then tap Continue. Complete your application. Review and agree to the …Apple Vision Pro: Open the Settings app, tap Wallet & Apple Pay, tap your Apple Cash card, then tap Add Money. Enter an amount. The minimum is $10. Tap Add. Authenticate with Face ID, Touch ID, Optic ID, or your passcode. Face ID: Double-click the side button, then glance at your iPhone or iPad to approve. Touch ID: Lightly place your …Aug 22, 2019 · 3. Apple Card offers up to 3% cash back. In addition to no fees, Apple Card offers unlimited cash back on purchases. Card users will get 3% cash back on everything they buy from Apple, including ... So if you just want to charge your Apple wallet PASMO/Suica, you can do so with any Japanese credit card (even visa), a non-Japanese AMEX or MasterCard, or at a new type station machine or 7-11 ATM where you can lay your phone on the charging device and pay with cash. Many of us want to use foreign money, and can benefit by collecting travel ... Technically you could. I have sent money from one PayPal to another and then transferred it to my bank account. You can’t do a traditional cash advance but there is a workaround that has 4 steps that will ultimately let you have cash in your account from your card within 20 minutes without that hefty cash advance fee. Payday cash advance apps provide fast, low-cost loans based on your upcoming paychecks. The apps work by fronting your cash from your next paycheck. Most will only let you borrow $100 to $250 per day to get started, but the amount could increase as you borrow more. In most cases, apps that give you a payday advance don’t charge …Plans start as low as $2.47/month. Everdraft™, Beem's non-credit alternative to Cash advance, allows you to withdraw $5-$1,000 of verified bank deposits, early. Terms & conditions apply and permitted amount can vary for each user. You can choose how you want to access the funds. Depending on your choice, fees between $0-$4 may apply.In today’s digital age, sending a heartfelt greeting card has become a rare and cherished gesture. However, the cost of purchasing greeting cards can quickly add up, especially if ...Aug 9, 2021 · A cash advance is a short-term cash loan taken against your credit card’s credit line. Cash advances are convenient, but also expensive. Find out how they work. Are you an avid Apple user looking to unlock the full potential of your device? Whether you are a beginner or an advanced user, online courses can be a great way to enhance your sk...Apple is launching an interesting new Apple Card program for people who have their application declined. Declined Apple Card applicants may begin seeing notifications on their devi...This includes: 3 percent back on Apple purchases and purchases made with select merchants when you use your Apple Card and pay with Apple Pay; current merchants include Ace Hardware, Exxon, Nike ...May 27, 2022 · Level 6. 10,393 points. May 27, 2022 8:31 AM in response to Chulai1969. Apple Card MasterCard issued by Goldman Sachs does not permit cash advances. This is contained in the Apple Card Customer Agreement which was delivered electronically to you and agreed to by you when you applied for the Apple Card account. Here is a link to a pdf of the ACCA, Aug 9, 2021 · A cash advance is a short-term cash loan taken against your credit card’s credit line. Cash advances are convenient, but also expensive. Find out how they work. Aug 24, 2019 · Level 9. 78,718 points. Aug 25, 2019 7:52 AM in response to YousifAlshaikhli. Apple is not here. We are users like you. This is a technical user-to-user help community. You will have to contact the issuer of the card and read your agreement to deternine its functionality and associated fees and legal obligations. Reply. .