Chase UK discussion

[Deleted User]

Zanderman said:

Catplan said:

Zanderman said:

And (sorry to go on) what's with the numberless card?  I can see it's very secure, no 16 digit number or csv number.

But it's so secure that you can't actually use it if you need the number - for any online orders, and for phone (spoken) transactions.

Their website says you can get these numbers from the app. 

If you want to find your card details, just open the Chase app and tap on the card above your accounts. Once you're in the card management menu, tap 'See details' to be shown the card number, expiry date and CVC you can use for online shopping.

But that means you need your phone with the app open, every time you order anything. No ability to just glance at your card when ordering.  And if you're using the phone to order via a website or another app, you'll need to keep switching from the ordering page to the app and back.  Which seems more than a little inconvenient.  [I'd hazard a guess this will make some people write down the 16 digit and csv number and keep the piece of paper with the card!]

Unless I'm missing something?

I get what you are saying, but many (I know its not all) will add to Apple / Google Pay and use the card that way, so probably not a huge stumbling block. I get what you are saying as I often order via laptop going through cashback for example and I'm sure my last insurance renewal I still needed to manually enter the details on card.

Not sure why you and StrictGold believe Apple Pay or Google Pay help in this regard?  They're the same as a physical card payment.

I'm highlighting user not present payments - which need card numbers - this is virtually all online orders and all over the phone orders. 

In the last week I've ordered click and collect from both B&Q and Tesco.  I needed the card number.  And over the phone a delivery from a local firm - I needed a card number.  Today I'm ordering from ebuyer.  I need a card number.   

Apple or Google Pay would not have helped!

Because websites now offer Google/Apple pay as an option in a lot of cases, so at the point you would normally have to enter your card details, you just select a Google or Apple pay button.

Sites like ebuyer yes you'd need to enter the details manually, but lots of sites are starting to accept Google/Apple pay. One click payment. I very seldom have to enter card details it is all done via Apple pay 95% of the time. I suspect Chase are looking forward and not back with the idea that eventually almost everywhere will not require the details to be entered, and if they do it is a small inconvenience and makes the added security a nice benefit. 

Even without the DD I will still sign up.

[Deleted User]

Just spotted this

Unlike some other banks, we don't require you to pay a minimum amount into your account each month. 

Goes against the talk of the bank wanting people to pay their wages in.

Daliah

Deleted_User said:

Because websites now offer Google/Apple pay as an option in a lot of cases, so at the point you would normally have to enter your card details, you just select a Google or Apple pay button.

I can't pay my Barclaycard with Apple or Google Pay. Need a card number, expiry date and CVV.

Daliah

The Chase UK CEO was interviewed on Sky News this morning. I didn't listen to all of it but caught him saying they have been working for the last 3 years on it. 3 years and no DDs! 

No charges for foreign use and "a competitive" exchange rate, "amongst the the best in the market".

I think he said he is not expecting to be profitable for some 3 years but very confident that they will capture a large part of the UK market ("we serve half the American population". Hmh. Is this supposed to impress me?)

Mortgages and loans to come in the next 18 months. Neither are of interest to me.

So it all boils down to the 1% cashback, which might tempt me, might not. I have a credit card paying 0.5%, with a massive limit,  and it comes with the convenience that I don't have to check I have to check my balance all the time, and with Section 75 protection. It remains to be seen whether the additional half percent is worth changing my habits. I am ready to give it a go - app downloaded and waiting for the code.....

[Deleted User]

Daliah said:

Deleted_User said:

Because websites now offer Google/Apple pay as an option in a lot of cases, so at the point you would normally have to enter your card details, you just select a Google or Apple pay button.

I can't pay my Barclaycard with Apple or Google Pay. Need a card number, expiry date and CVV.

You should be able to add the card?

adamp87

[Deleted User] said:

Daliah said:

Deleted_User said:

Because websites now offer Google/Apple pay as an option in a lot of cases, so at the point you would normally have to enter your card details, you just select a Google or Apple pay button.

I can't pay my Barclaycard with Apple or Google Pay. Need a card number, expiry date and CVV.

You should be able to add the card?

I think Barclaycard doesn’t always let everyone do this straight away..

All in all it’s a basic offering but I’m sure the account will improve over time. The fact they know they are going lose millions for a few years shows they know it’ll be a slow and steady race.

The cashback is probably the main attraction, but with the current offering people will probably sign up, get the cashback &’use it as a secondary account rather than a main

[Deleted User]

I am keeping an eye on the twitter feed, I assume there will be a launch?

So far only one post today about the boss launching the bank

[Deleted User]

https://twitter.com/chase_uk/status/1440277530666160140

https://twitter.com/chase_uk/status/1440279994937208833

Shakin_Steve

Think I'll wait a while, can't see anything worth getting excited over to be honest. At best, it will just be an offering that takes the best bits from other banks and incorporates them into the Chase account. At worst, just another letdown.

EarthBoy

[Deleted User] said:

Daliah said:

Deleted_User said:

Because websites now offer Google/Apple pay as an option in a lot of cases, so at the point you would normally have to enter your card details, you just select a Google or Apple pay button.

I can't pay my Barclaycard with Apple or Google Pay. Need a card number, expiry date and CVV.

You should be able to add the card?

I think Daliah meant paying their Barclaycard bill, not paying for something by Barclaycard. You can't pay your Barclaycard bill with Apple or Google Pay. And by the way you can't use Google Pay to pay by Barclaycard because Barclays don't support Google Pay, although they do support Apple Pay.