Chase UK discussion

Daliah

orange-juice said:

Do we have a rough list of what's excluded from cashback yet? E.g. council tax bills, investments? I think there's one in the FAQs but it's a bit 'general' imo?

The list of what you do get cashback on will be shorter.

As I have described elsewhere, you can use the Curve card to shift purchases from Chase to a cashback credit card if desired.

Marchitiello

Se1Lad said:

sebtomato said:

Se1Lad said:

Do chase ATMs in America charge a fee if you use a UK Chase debit card in them?

I am referring to a fee for using the ATM and not the currency conversion fee, which I already know is 0%.

No, and I think that's where Chase can be more competitive than all other "new" banks.

Will certainly come in handy - it looks like the maximum foreign currency monthly withdrawal per month is £700 - according to the person I spoke to on their online chat.  I also asked the question re: fees when using a USA Chase ATM and she didn’t know the answer which was a bit poor!

That would indeed be poor from her as it was actually advertised on their social.

Someone posted a confirmation before me about no ATM fees,  but I also posted the actual app screenshots, atm receipts from LA and also MasterCard website exchange rates to show perfect exchange rate with no additional fees.. Cash in USA is still needed, mostly for tips but also eat out at smaller, traditional establishment.

as stated several times, this makes Chase UK the very best options to travel to the USA, especially now with cashback (I got cashback on hotels, most dining out, Lyfts rides and general shopping). The only thing that would get close to it, is A Santander debit card,  but that would be limited to few major city on the East Coast. 

phillw

Deleted_User said:
I've also put £75.01 petrol in the car just to see the 0.99p go into the 5% account. Silly I know but every little helps.

If only there was a way to put millions of 0.01 transactions through without having your account closed ;-)

masonic

orange-juice said:

Do we have a rough list of what's excluded from cashback yet? E.g. council tax bills, investments? I think there's one in the FAQs but it's a bit 'general' imo?

Council tax is a no (government services). Would presume investments would come under account and prepaid card funding - they are unlikely to pay cashback on money deposited into a trading account as it could be for many thousands of pounds and/or immediately withdrawn and recycled.

sebtomato

Basically, any large purchases are excluded from cashback: 

Investments
Council tax
University fees
Car purchase and maintenance 
Etc.

So it's about grocery shopping, purchases on Amazon, purchases from shops, gym memberships etc.

Daliah

sebtomato said:

Basically, any large purchases are excluded from cashback: 

Investments
Council tax
University fees
Car purchase and maintenance 
Etc.

So it's about grocery shopping, purchases on Amazon, purchases from shops, gym memberships etc.

It's not as simple as the amount of the purchase. I got cashback on purchases of several thousand pounds - which are large purchases for me.

orange-juice

Daliah said:

orange-juice said:

Do we have a rough list of what's excluded from cashback yet? E.g. council tax bills, investments? I think there's one in the FAQs but it's a bit 'general' imo?

The list of what you do get cashback on will be shorter.

As I have described elsewhere, you can use the Curve card to shift purchases from Chase to a cashback credit card if desired.

Thank you for the link. I have heard of Curve but haven't looked into it further.

How does it work for your 3rd point, where you choose Chase as your spending card and then use the 'go back in time' to switch the payment onto a CC. Does the money get refunded to your Chase current account straightaway?

Stecroydon

Hi guys. Just a quick one with chase bank. 

I want to open an account to benefit the 1.5% savings. Do they do a hard search etc? I’m applying for a mortgage in the next few months and can’t have a hard search jeopardise this. Thank you. 

northwalesd

@Stecroydon no hard search from Chase.

phillw

Stecroydon said:

Hi guys. Just a quick one with chase bank. 

I want to open an account to benefit the 1.5% savings. Do they do a hard search etc? I’m applying for a mortgage in the next few months and can’t have a hard search jeopardise this. Thank you. 

Everyone has been saying it's not a hard search, I don't remember them asking permission to take one when I opened mine the other day & they aren't offering credit.