Just noticed that my physical Chase card, that had remained in its envelope until my recent trip, and then was sandwiched between two non-embossed cards in my wallet for protection, has still managed to be marked and look well-used, despite not having been used at all.
Not impressed with the quality build of this card. As I said, left its envelope since Sep 2021, so it’s hardly as if it has been used constantly, but certainly does not look like it is robust enough for daily use.
Glad to say I only really use Google Pay, and app card details for online purchases, so it’s not going to stop me from spending (unfortunately), thus it’s now back in its envelope.
Many of my other cards don’t have the slightest imperfection on them, and some have been used regularly.
It may just be my own perception, but it is the non-embossed cards that appear to be marked easily, over those with embossed numbers. Different product used in their build, do you think?
It’s not a hub account though as no DD/SO as with the Chase account plus no interest on balance over £25k. I’ve got both, keep some in the Chase to cover regular bills and the rest in Virgin Money.
Does anyone use a single current account as their main account? I would expect most users on here to operate at least two accounts with shared usage.
I have one account to receive my salary, another for DDs and another for spending.
I use Chase for SOs and DDs (paid from Savings account) which do not earn me cashback at Santander.
I use the Chase debit card for spending because of the 1% cashback but will switch to Monese from tomorrow because of the 1.5% cashback promotion.
Starling for my main account (wage in, DDs SOs and daily spend out).
I have a second Starling account for work expenses which sees infrequent use.
Nat West account so I have an a/c with a high street presence as fallback. Used even more infrequently.
Chase account which I have been using for the cashback on daily spend, but have got fed up of transferring money across so not using that any more.
So in that situation I would switch to using my credit card(s) to cover any immediate problems.
I actually do have a handful of other current accounts (starling, Chase, and firstdirect), but they’re empty and would be no use to me if monzo froze my account.
I think using multiple accounts to ring fence your cash for bills, savings, disposable income, etc can make sense but I found it more hassle than it was worth, so just run everything out of monzo.
Almost, yes.
Nationwide, wages in, D/D’s out
Nationwide and Amex credit cards for most daily spend (paid in full every month from… Nationwide lol)
I do have a couple of other accounts, but they are for very specific use
Starling and Revolut, travel accounts, although most travel and accommodation is paid on one of the credit cards and then the money transferred back to Nationwide to pay the C/C with just travel daily spend being taken care of through Starling. Revolut is is utilised when FX rates are favourable.
Chase, used purely for the 1.5% savings interest at the moment.
Already jumped. Too much hassle! Also, on a stoozing round with 24 month BT zero/zero boosted with 8 month purchase zero/zero - hoping savings rates go through the roof. Credit limits have all gone up instantly with the combined crises, so hmm
Hmm, maybe but there’s not really anyone offering what Chase is currently; will probably stick with them unless Starling make the Bills from Spaces a decent bit better, paired with them deciding to up their interest rates as speedily as they lower them. Feels like we should consider that a worse business practice than people do.
They really need to get a handle over this as quick as possible or it’s going to cause people to close the account and they have already lost millions in this endeavour
Absolutely. The honeymoon period has pretty much been and gone now. They’ll be judged on the basics now.
At the moment the 1.5% Saver is a good enough lure. But it’s likely that customers who do stay, will stay for that alone and use other banks for current stuff.
I just hope there’s a ton of effort being put into eradicating these annoyances….
), thus it’s now back in its envelope.
