Well, we’ve all got different opinions. For me I’ll continue using Chase as a spending card, being topped up by main legacy bank, until I feel more confident in their stability. I’m sure it’s temporary but for now……
R-
5 Likes
Same 
Works for me atm
Absolutely. I reckon the weight of opinion is in favour of Chase - certainly in wanting them to succeed. As said elsewhere here, they’re not new to banking, which makes these faults all the more frustrating.
From what I’m seeing here & abouts, the knee-jerk (if that it be) is to scale back and put Chase on the back burner while they eradicate the unusual outages. That’s certainly where I am.
Want them to succeed, but honeymoon period is over. We should be bemoaning the lack of feature-development, not the fact we can’t access our money 
.
Get with it, Chase 
6 Likes
If I find that I have zero methods to access any of my savings, and no recourse to remediate I’ll likely be looking for another bank again if that happens for more than a few hours.
I would have expected their handling for Chase US, but not UK. It was far too hands off for a brand where your branch is your app.
An outage like that with a physical bank is not good, though tolerable if a workaround is present in branch, but to have no choice and total service failure from a massive global bank is a huge failing in my opinion and one I hope they learn from.
3 Likes
Yes indeed.
2 Likes
I don’t deny, I was annoyed about not being able to access my account during the outage on 5th October, but it was what it was and I’ve not lost anything because of it.
I accept the outages are unacceptable and that they aren’t a great look for a leading global bank. Perhaps Chase should have approached Starling from my the off and bought them out and started with a platform that actually works properly 
Anyway, I don’t personally use Chase as a main bill paying account, it’s for my personal spending only. I do have quite a bit of savings tucked away with Chase, but they’re safe so I’m not overly concerned.
Upshot is. I’m not going to throw my toys out of the pram and I’m not going to close the account because of the glitches. I’ve got three other current accounts with different banks to fall back on.
I hope Chase sort through their issues and make a success of it here in the UK.
6 Likes
Well said
2 Likes
Other banks may have them but have been here for hundreds of years. If you look at the downtime across that long length of time, it probably doesn’t look terrible.
Yet Chase have been here for about a year with an entirely new technology stack and still have just announced a maintenance period where you’ll be unable to do anything - I would be fine with this if it were like RBS. Nightly and expected.
Chase going out unexpectedly has screwed me, DD bounced (wasn’t able to log in to move money to the account. Funnily enough, they texted me about it). £12 returned debit fee.
They should probably sack 10x, because I’ve not seen them deploy something of adequate quality yet.
1 Like
I suspect a complaint would see that £12 returned to you rather quickly.
1 Like
Should also mention that my limit got sliced by >50%, after not a week ago they sent me a letter saying they’d raise it by >20%
Doubt Chase can offer me any compensation that makes up for this
What sort of limit?
The credit limit on my AmEx, not that it matters?
Yes, it matters - your message read to me as though it was some sort of limit Chase had reduced themselves.
I see what you’re saying now - your Amex credit card is normally paid in full via a DD which failed because the money was stuck in Chase as you were unable to transfer it to the account the DD was drawn from.
Amex DDs are always set for 7 days before the actual payment due date, so even if the DD failed you should still have had an opportunity to keep your Amex account in good standing. In my experience you also receive reminders that the payment is still due and/or the DD failed. If all this is untrue, then you have a valid case to seek compensation from Chase. If it is true… well the lesson is that you should keep an eye on these things and be prepared to intervene to ensure you are meeting all of your contractual obligations.
2 Likes
So, anyone would ask, why when you know you owed money to AMEX did you not ensure you had enough funds in the paying account to pay the direct debit? I’m sorry, but it’s basic money management isn’t it? Or is that too simplistic? Do you literally live day to day on such a tight financial budget that you are unable to keep the required amount of funds in your payment account until literally the day before the payment is due?
So yes, whilst still unacceptable that Chase don’t seem to have all of their crap in one sock, ultimately it seems you’re the one at fault here because actually Chase’s direct debit payment systems weren’t affected by the outage.
Lesson learned me thinks.
1 Like
If you had funds to transfer to Chase from elsewhere - would these have lodged?
If not then I don’t think the customer can be blamed. I have a couple of DDs from an alternate account which I must move funds to on payday (a day and a half prior with Revolut paid early).
Nope.
Mine are always 14 days before DD due.
Cannot see why Amex would charge a returned DD fee when there is still plenty of time to settle the monthly statement in full 
Also, have to agree with @Topsy2 .
Who on earth leaves funding the DD source account until the last minute?
I think they charge for a failed dd and for a missed payment (14 days later). Seems punitive given you don’t need to pay by DD in the first place.
I have an Amex but for little reason nowadays - I’m tempted to close it to be eligible for new card member offers in a few years time.
1 Like
That’s crazy.
Never been charged by them, so wouldn’t know their strictness tbh.
I originally was of your thinking on it - but someone on another forum told me it was as stated above.
I’ve never been affected either - so I could be wrong 
1 Like
Amex don’t charge for failed DDs, at least in my experience. I’ve cancelled mine before (because I’ve made a debit card payment and that was the only way to stop it) and never been charged. I presumed it was @Recchan’s bank which had charged that, not Amex.
They do charge for missed payments, although even then I’ve paid a day or two late before and they’ve not charged one (nor noted a late payment). These were tiny amounts and YMMV of course.