Come on, this is just being deliberately difficult now. Fair use policies exist, and are very rarely spelled out. You could say they’re on a common sense basis…
It’s fairly obvious that if you could do a grocery shop in one go, and instead make 40 transactions within seconds of each other, that’s not fair use
If Chase had to take time to spell out every exception, I bet the account wouldn’t have launched until 2031 the earliest.
Or companies should never offer anything nice because people are never happy that they can’t exploit things
I know, that’s why I put “manufactured spend” in quotes. Technically, it’s not manufactured spend as normally understood. It is, however, still manufactured in the sense that it’s artificial/unusual behaviour.
True, in fact it’s possible to argue that overtly spelling out the policy in terms that are too black and white just leaves it open to abuse anyway because then people will be looking for ways around it and/or arguing about the precise nature of the terms and whether they apply to their particular transaction or not!
But then what is unusual? This is my entire point.
When I go to Costco I regularly end up splitting the transaction in to several bills to separate stuff for parents, stuff for inlaws and stuff for us. Those are reported as 3 subsequent transactions on the same card. Is that unusual or out of line though?
How about the use case of a family who spread the cost of Christmas by topping a small amount up each day to their Amazon account (this is a behaviour Amazon themselves encourage) - the amount they choose is £1.25 so they’ll have £400 in there by Black Friday. Is that unusual or out of line?
I think the people who were warned by Chase were over doing and were not spending anywhere else on their card. I still buy my Amazon top ups and Iceland card top up for those £x.01 transactions with no issues. Of course I use the card for other daily spend.
Has anyone had any DD come out of Chase yet? Interesting to know how it works with the notification, hope it’s like starling, when they let you know the day before.
I still have a reason for my credit cards. Chase on several occasions declined to pay cashback for payments I make at BP stations for my Petrol. They always said payments at garage and the like are not eligible.
I also pay council tax and rent from credit cards to get a few points whereas Chase would give me zero for this.
I’m amazed that people will try almost extreme lengths to extract the urine out of an offer which is supposedly time limited anyway. I thought I was tight, but I’d never kick the arse out of it. I think the £30 I’ve so far had in cashback is exceptional and I’ll miss it at the end of my 1st year with them.
That’s with regards to the Cashback offer though. My point is they could massively limit one’s ability to cream the 5%-on-round-up-savings by excluding those same MCCs from participating in it.
I imagine it’s because there’s no feed item for a transaction that fails. Since there’s no actual transaction gone though. So a text makes more sense. An in app solution for this would be nice tho.
26 pounds cashback n all that