Same. Better than nothing though. For these sorts of transactions the other banks just quietly refund them. No notification, you just might notice the transaction has disappeared and your balance is higher next time you open the app.
No one has an elegant solution for handling them in the app yet which is a shame. These text message are the best there is.
Wise notifies you through the app in case there’s a refund coming in.
I’m still surprised at how long it takes for money to land in my Chase account. Transferred some in from my Nationwide Joint account this morning and it took the usual couple of minutes or so. Ok, so it’s hardly a massive deal a couple of minutes, but it’s the only account I have whereby it takes this long, my other three accounts, it’s instantaneous so I’m not sure what the issue is with Chase.
In case anybody wonders , saw this on their twitter page.
Same policy as Starling. Makes sense with Chase being new and they want people who will stick around and use it in time as a main account.
I’m not sure it does… It’s not all that hard to bring an account back, is it? Someone who ditches then reconsiders is arguably more valuable and likely to stick the second time round
But it makes sense if cashback is really for just a year. Stops people cancelling then signing up for another year of 1%
So someone got mood swings, dumped Chase now they want them back? 
I know Starling (and to a lesser degree, Monzo) apply restrictions to opening an account after closure, but certainly the big boys seem unbothered by such fickleness.
I wonder if this stricter view is more common in the US.
The Starling policy was a reaction to the suggestion they were very easy to set up as a ‘donor account’ for CASS purposes, wasn’t it?
Chase don’t (yet) support CASS AFAIK…
Don’t know, but it was a policy set out very early on.
But you could just say you won’t get cashback if you’ve had it before, or maybe only for as long as you originally had it
Maybe they took the view that opening, closing and reopening was not behaviour they encouraged and that those doing so aren’t serious customers.
I’m sure Anne Boden and her team were (maybe still are) of that persuasion.
I’d say they still are considering it’s a policy they’ve had since the beginning and still in effect now.
I reckon so.
Just seen the advert for chase with David tenant going highly on about the 1 per cent cash back.
Serious customers 
Can I just say this is fascinating stuff and I have never thought of these kind of scenarios … Amazing they way some of us think.
Those are fairly simple examples - there are far more elaborate examples I’ve seen described elsewhere (mostly in the comments on Head for Points).
It appears Chase have changed their insufficient funds / declined messages from text alerts to Push notifications which is an improvement.
I’ve also got some upcoming DD’s due - but at the moment Chase are not showing due dates - unlike Starling for example - I have a PayPal DD due on 21st but that hasn’t gone out yet and I’ve not had a reminder before hand - it does make you feel a bit unsure whether it’s all going to work out.
I know some will consider it an improvement.
Personally, I would prefer a choice, as I may not be able to get mobile data in some locations but would be able to receive SMS messages.
