Chase UK discussion

friolento

Emmia said:

friolento said:

Emmia said:

iDoc said:

Can't see this mentioned elsewhere so posting as an FYI to anyone thinking of closing their Chase account/s.

Like the legendary Hotel California you can never leave.
That is if you ever want to bank with them again.

If you close your account you can never go back - according the garbled -( "I'm talking to you from Mars through a tin can telephone with low battery" )- call centre person I spoke to today. 

Presumably it's to stop people carpet bagging their bonus offers.
Other carpet suppliers are thankfully still available ( and with better phones ).

Chase aren't alone in this, closing your ISA with Chip means you can't take out another with them ever.. 

 

This is not quite correct. 

You can close down / delete your entire Chip account, then open a new one. In the new one, you can get a new ISA, and a new anything, as well as any bonus offers that might exist. I have done it, it’s simple and quick.

Closing down your Chip account obviously means that you need to close down any products that you have with them. 

You've managed it, but it is against their T&C's. So always the risk that they'll realise and either prevent a reopening, or decide to close your account for breaking their T&C's.

If that is so, I shall cross that bridge when I come to it 😇

winkowinko

friolento said:

skycatcher said:

friolento said:

Emmia said:

iDoc said:

Can't see this mentioned elsewhere so posting as an FYI to anyone thinking of closing their Chase account/s.

Like the legendary Hotel California you can never leave.
That is if you ever want to bank with them again.

If you close your account you can never go back - according the garbled -( "I'm talking to you from Mars through a tin can telephone with low battery" )- call centre person I spoke to today. 

Presumably it's to stop people carpet bagging their bonus offers.
Other carpet suppliers are thankfully still available ( and with better phones ).

Chase aren't alone in this, closing your ISA with Chip means you can't take out another with them ever.. 

 

This is not quite correct. 

You can close down / delete your entire Chip account, then open a new one. In the new one, you can get a new ISA, and a new anything, as well as any bonus offers that might exist. I have done it, it’s simple and quick.

Closing down your Chip account obviously means that you need to close down any products that you have with them. 

How did you do this? I have a balance of +£0.00 in my savings and cup day i can't choose my account until i withdraw all my money!

I think my account balances were zero, with no outstanding interest. Then just “Delete account” in your profile. I deleted and reinstalled the app, then applied again.

So you didn't even need to ask them to delete your profile? You just deleted the account?

How long did you leave it between closing the old one and opening a new one?

friolento

winkowinko said:

friolento said:

skycatcher said:

friolento said:

Emmia said:

iDoc said:

Can't see this mentioned elsewhere so posting as an FYI to anyone thinking of closing their Chase account/s.

Like the legendary Hotel California you can never leave.
That is if you ever want to bank with them again.

If you close your account you can never go back - according the garbled -( "I'm talking to you from Mars through a tin can telephone with low battery" )- call centre person I spoke to today. 

Presumably it's to stop people carpet bagging their bonus offers.
Other carpet suppliers are thankfully still available ( and with better phones ).

Chase aren't alone in this, closing your ISA with Chip means you can't take out another with them ever.. 

 

This is not quite correct. 

You can close down / delete your entire Chip account, then open a new one. In the new one, you can get a new ISA, and a new anything, as well as any bonus offers that might exist. I have done it, it’s simple and quick.

Closing down your Chip account obviously means that you need to close down any products that you have with them. 

How did you do this? I have a balance of +£0.00 in my savings and cup day i can't choose my account until i withdraw all my money!

I think my account balances were zero, with no outstanding interest. Then just “Delete account” in your profile. I deleted and reinstalled the app, then applied again.

So you didn't even need to ask them to delete your profile? You just deleted the account?

How long did you leave it between closing the old one and opening a new one?

That's right, I never interacted with them, other than using the app to delete the account. IIRC, it vanished nearly instantly. I then deleted the app, reinstalled and opened a new ISA with them, same day. This was sometime back in May.

danny13579

friolento said:

That's right, I never interacted with them, other than using the app to delete the account. IIRC, it vanished nearly instantly. I then deleted the app, reinstalled and opened a new ISA with them, same day. This was sometime back in May.

Same here with Chip, except when I went to delete my old account it instead prompted a message from one of their staff telling me I wouldn't be able to open a cash ISA again with them and to ensure all accounts were emptied (they already were). Once I confirmed I understood this and still wanted to delete the account, it was done very quickly.

I then left it a week and joined again, no problem, got the various bonuses on offer at the time.

I'm sure it says so somewhere on here but I don't really fancy reading through 213 pages right now.  Has anyone managed to shut down all accounts with Chase, same as above with Chip and managed to go back to them to get the newbie 5% rate?

friolento

danny13579 said:

Has anyone managed to shut down all accounts with Chase, same as above with Chip and managed to go back to them to get the newbie 5% rate?

I haven't tried it with Chase, and I won't, as I'd rather preserve the bonus rate I am on currently, and I am still stoozing the credit card, too.

Trying to sign up on a different device with a different email address might work?