Chase UK discussion

masonic

gizz_10 said:

k_man said:

gizz_10 said:

Has anyone had this issue with Chase yet? I was due a credit for a refund to my chase debit card which the retailer tried to process but Chase declined the refund. When I contacted Chase on app chat they said they don’t currently accept credit refunds. That’s a worry as most retailers will on,y refund back to the card you paid with. Would make me think twice about using my Chase card, eg Asda online is always refunding small amounts to my card if on the day of delivery they don’t have everything I ordered in stock, or if I return a damaged item etc. 

Out of interest, who was the merchant/retailer?

As above, I have had a number of refunds (albeit all via Curve) but only against specific previous debits.

well it was Airtime rewards - i have done several purchases of giftcards from them - but when i tried to refund the app credit to the same chase card it was declined - when i look at the transactions in my chase app i can see the gift card purchases are against Airtime Rewards Ltd but the refund is against Airtime Rewards (no Ltd).  It might be that they use a different merchant code for the refunds vs the purchases but i have raised a support ticket to ask them.  They are currently refunding to bank account cashback for Vodafone customers as they have been having problems assigning the cashback to vodafone accounts.

Typically gift card purchases should not be refundable for cash, so it probably isn't being processed as a refund of your original transaction.

crumpet_man

masonic said:

gizz_10 said:

k_man said:

gizz_10 said:

Has anyone had this issue with Chase yet? I was due a credit for a refund to my chase debit card which the retailer tried to process but Chase declined the refund. When I contacted Chase on app chat they said they don’t currently accept credit refunds. That’s a worry as most retailers will on,y refund back to the card you paid with. Would make me think twice about using my Chase card, eg Asda online is always refunding small amounts to my card if on the day of delivery they don’t have everything I ordered in stock, or if I return a damaged item etc. 

Out of interest, who was the merchant/retailer?

As above, I have had a number of refunds (albeit all via Curve) but only against specific previous debits.

well it was Airtime rewards - i have done several purchases of giftcards from them - but when i tried to refund the app credit to the same chase card it was declined - when i look at the transactions in my chase app i can see the gift card purchases are against Airtime Rewards Ltd but the refund is against Airtime Rewards (no Ltd).  It might be that they use a different merchant code for the refunds vs the purchases but i have raised a support ticket to ask them.  They are currently refunding to bank account cashback for Vodafone customers as they have been having problems assigning the cashback to vodafone accounts.

Typically gift card purchases should not be refundable for cash, so it probably isn't being processed as a refund of your original transaction.

It's not a refund of a purchase but rather a withdrawal of funds from the Airtime Rewards account.  I think this is a MasterCard issue.  I know I have read something more detailed about bit cannot find all the info by googling.  This is the best I can find from a gambling website:

Why can't I use my card for withdrawals?

There are numerous reasons why a card withdrawal may not be processed.

• Some UK issued MasterCards do not provide “collection account” details. This means the issuer has not made available an underlying account for us to pay money back to.

I also have not been able to cash out my Airtime Rewards balance to a MasterCard but can with a Visa card.

gizz_10

crumpet_man said:

masonic said:

gizz_10 said:

k_man said:

gizz_10 said:

Has anyone had this issue with Chase yet? I was due a credit for a refund to my chase debit card which the retailer tried to process but Chase declined the refund. When I contacted Chase on app chat they said they don’t currently accept credit refunds. That’s a worry as most retailers will on,y refund back to the card you paid with. Would make me think twice about using my Chase card, eg Asda online is always refunding small amounts to my card if on the day of delivery they don’t have everything I ordered in stock, or if I return a damaged item etc. 

Out of interest, who was the merchant/retailer?

As above, I have had a number of refunds (albeit all via Curve) but only against specific previous debits.

well it was Airtime rewards - i have done several purchases of giftcards from them - but when i tried to refund the app credit to the same chase card it was declined - when i look at the transactions in my chase app i can see the gift card purchases are against Airtime Rewards Ltd but the refund is against Airtime Rewards (no Ltd).  It might be that they use a different merchant code for the refunds vs the purchases but i have raised a support ticket to ask them.  They are currently refunding to bank account cashback for Vodafone customers as they have been having problems assigning the cashback to vodafone accounts.

Typically gift card purchases should not be refundable for cash, so it probably isn't being processed as a refund of your original transaction.

It's not a refund of a purchase but rather a withdrawal of funds from the Airtime Rewards account.  I think this is a MasterCard issue.  I know I have read something more detailed about bit cannot find all the info by googling.  This is the best I can find from a gambling website:

Why can't I use my card for withdrawals?

There are numerous reasons why a card withdrawal may not be processed.

• Some UK issued MasterCards do not provide “collection account” details. This means the issuer has not made available an underlying account for us to pay money back to.

I also have not been able to cash out my Airtime Rewards balance to a MasterCard but can with a Visa card.

Thanks crumpet_man and Masonic - I will try and add a Visa debit card to my account and see if it works - all my current cards on my account are Mastercards.

wiseonesomeofthetime

crumpet_man said:

...

I also have not been able to cash out my Airtime Rewards balance to a MasterCard but can with a Visa card.

I have been unable to withdraw to Starling Mastercard, HyperJar Mastercard, or Barclaycard Visa, RBS Visa.

All been rejected with big X.

Was worth a try, I suppose.

crumpet_man

wiseonesomeofthetime said:

crumpet_man said:

...

I also have not been able to cash out my Airtime Rewards balance to a MasterCard but can with a Visa card.

I have been unable to withdraw to Starling Mastercard, HyperJar Mastercard, or Barclaycard Visa, RBS Visa.

All been rejected with big X.

Was worth a try, I suppose.

Revolut always works for me if that's any help?

k_man

wiseonesomeofthetime said:

crumpet_man said:

...

I also have not been able to cash out my Airtime Rewards balance to a MasterCard but can with a Visa card.

I have been unable to withdraw to Starling Mastercard, HyperJar Mastercard, or Barclaycard Visa, RBS Visa.

All been rejected with big X.

Was worth a try, I suppose.

So not a Chase specific issue?

anotheruser

masonic said:

anotheruser said:

masonic said:

Chase owe it to customers to be up front about what they need in order to use the app.

They OWE it to customers?

No, they do not.
Just because you think they do, doesn't mean they actually do.

Yes, they owe it to customers to be clear, fair and not misleading in their communications about how their services can be accessed. That's a regulatory obligation.

If you think they're breaking some sort of regulations, then report them.
They aren't mis-leading, they're pretty clear and fair.  But if you're not a customer of theirs, I guess any regulations won't apply to you as you're nobody.
You only think like this because you're not able to use their banking services.  It's not as dressed up as people make out.  Marginily better than some other banks at best.
Plus, there is absolutely no regulation saying any bank has to accept everyone as a customer.

phillw

anotheruser said:
They OWE it to customers?

No, they do not.
Just because you think they do, doesn't mean they actually do.

How can you be a customer, if you can't sign up on the app anyway?

crumpet_man

k_man said:

wiseonesomeofthetime said:

crumpet_man said:

...

I also have not been able to cash out my Airtime Rewards balance to a MasterCard but can with a Visa card.

I have been unable to withdraw to Starling Mastercard, HyperJar Mastercard, or Barclaycard Visa, RBS Visa.

All been rejected with big X.

Was worth a try, I suppose.

So not a Chase specific issue?

Correct, but we ended up going a bit off topic in order to find out what the issue was with the refunds to Chase not working in order to find out that it was not actually related to refunds but a credit payment unrelated to a purchase.

Wheres_My_Cashback

anotheruser said:

adindas said:

Spring to mind what about buying1-5p item just to get round up 95-99p for each purchase ??

You could easily do that in quiet supermarket by paying each single item you buy with debit card rather than paying the whole shopping in one go.

And how long would that take you?
Considering things are priced all over the place these days, you'd have to buy a lot of .01p / .02p items.

Let's say each one takes 1 minute to scan at the self-checkout (IE, scan, click through the screens, pay, remove from bagging area).
You have 10 items, so take 10 minutes.
Let's give you the most money possible to transfer, which is 99p.  However, to make the math easy, we'll even round it up to one whole pound.
So it's fair to say £1 per minute could be transferred to the round up account, which for our example is £10.

However, we're only really looking at the interest, that's 5%.
5% of £10 is 0.50 - 50p.
So for that 10 minutes of your life, you've earnt 50p.
To make it easier to understand for some, let's increase that to an hour.

Nobody would work for £3 an hour.

Intriguing that everyone seems to only think inside the box. What purchases ?