Lady buys a dress in a shop, she is confident and does not try it on, pays with the physical chase card.
She later finds that it does not fit, the dress is too small, or she is too large. She returns the dress and to process the refund the merchant asks for the card ending 1234.
The lady does not remember which card she paid with, suspecting it was infact Chase she decides to check the card number in the app but finds on there it ends 5678.
She does not know they care supposed to be different.
When I reported that my local corner shop was showing as “Select Fashion” rather than “Select Supermarket”, they corrected it within a day or so (and added the shop’s logo which only appears to be on their Facebook page as they have no other online presence).
I’ve just blown the dust off my Starling account. Trouble is, the current Chase offering makes it very difficult for me to utilise Starling to any significant extent.
Chase isn’t exciting, and may never be. But it’s incentives are hard to ignore and it’s clearly carving a space for itself.
I never thought I’d actually say this, but I’m seriously considering now dumping my Starling account. I’ve barely used it since I started with Chase and I’ve shifted almost my entire personal banking to Chase from across my 3 personal accounts. The likelihood is, it’ll just become dormant. It’ll be the same with my recently opened FD account. I’ve had my free £150, so I’ll stick with them for a year and get rid.
I’ve just a couple of direct debits coming out of Starling and my pension goes in every month and leaves the same day. Unless Starling can come up with something really tasty, then sadly, even though their debit card was great for overseas use, well that is now also covered by Chase anyway, we may be parting company in the next 12 months.
And regrettably, there isn’t, and nor has there been, any sense that innovation is important to them. The connected card during early COVID, was a great move.
Stable, solid, dependable - absolutely. And I don’t think they want to be anything else, certainly not edgy.
Yup, mostly why I left them, felt like they had “gone stale” - not that I expect new features daily but nothing was particularly groundbreaking for me with Starling
I think going forward Starling see their offering more as a ‘banking as a service’ proposition to third parties rather than retail current accounts.A credit card was heavily mooted but never appeared and the current account offering is now stale, plus I’ve lost count of the number of logo improvements I submitted to no avail. We’ll just have to see where they end up in relation to the legacy banks and the rest of the new fintech, who have both eaten into the previously fairly exclusive features of an app only offering.
