Chase UK discussion

k_man

Johntea said:

How long should I expect for the physical Chase card to arrive in the post?

Applied and opened account 23/04 around 12pm and still nothing has turned up!

Did you complete the process to order the physical card (choose your card PIN and displayed name)?

In some instances this doesn't complete during account creation.

What options do you get if you select the card in the Chase app home screen?

Jamesknowsnothing

Hello all, 
I have read through this discussion but im just looking for some clarification.

As far as i can tell Direct Debts do not automatically count for cashback, however some direct debits do (some people are reporting TV Licencing as working for example).

Has anyone had any experience with Mortgage payments?  My mortgage is with TSB.  This is taken as a direct debit from my account.

Thanks in advance

k_man

Jamesknowsnothing said:

Hello all, 
I have read through this discussion but im just looking for some clarification.

As far as i can tell Direct Debts do not automatically count for cashback, however some direct debits do (some people are reporting TV Licencing as working for example).

Has anyone had any experience with Mortgage payments?  My mortgage is with TSB.  This is taken as a direct debit from my account.

Thanks in advance

No DDs count for cashback.

However some things (e.g. TV licence) can be paid by debit card instead, which may count for cashback (if not excluded).

Daliah

Jamesknowsnothing said:

Hello all, 
I have read through this discussion but im just looking for some clarification.

As far as i can tell Direct Debts do not automatically count for cashback, however some direct debits do (some people are reporting TV Licencing as working for example).

Has anyone had any experience with Mortgage payments?  My mortgage is with TSB.  This is taken as a direct debit from my account.

Thanks in advance

Only payments made by debit card will get cashback (provided the purchase is not for one of the excluded categories). Direct Debits - very different to payments made by debit card - do not get any cashback at Chase.

Even if you paid your mortgage by debit card (assuming this would even be an option), I doubt you would get any cashback for it as the payment would probably classed as a debt repayment, which is on the excluded list.

Jamesknowsnothing

Im obviously being stupid.

How do you tell the difference?  For example - Netflix is listed on my Monzo as a Direct Debit but surely this isnt?

Daliah

Jamesknowsnothing said:

Im obviously being stupid.

How do you tell the difference?  For example - Netflix is listed on my Monzo as a Direct Debit but surely this isnt?

If you are paying Netflix by debit card, and Monzo show it as a Direct Debit, it's a mistake by Monzo. However, at a guess it is more likely that you have authorised Netflix to take your fee by Direct Debit.

Somewhere in your Monzo account, there will be a list of the Direct Debits you have.

k_man

Daliah said:

Jamesknowsnothing said:

Im obviously being stupid.

How do you tell the difference?  For example - Netflix is listed on my Monzo as a Direct Debit but surely this isnt?

If you are paying Netflix by debit card, and Monzo show it as a Direct Debit, it's a mistake by Monzo. However, at a guess it is more likely that you have authorised Netflix to take your fee by Direct Debit.

Somewhere in your Monzo account, there will be a list of the Direct Debits you have.

@Jamesknowsnothing

As suggested, double check Monzo account, and your Netflix account page, as Netflix do not appear to support DD payments:

https://help.netflix.com/en/node/116380

thefabricman

tried yesterday on my phone to use app. message not compatible with your device Samsung galaxy J5. Wife`s phone same my tablet same. Phoned Chase was told to buy a new phone. so £200 -£300 just to get an extra .5% no thanks.

masonic

Jamesknowsnothing said:

Im obviously being stupid.

How do you tell the difference?  For example - Netflix is listed on my Monzo as a Direct Debit but surely this isnt?

The easiest way to ensure you are paying by debit card is to give the merchant your 16 digit card number, expiry date and CVV. Do not give them your sort code and 8 digit account number.

crumpet_man

wiseonesomeofthetime said:

I have read somewhere that someone allegedly set up daily 1p top-ups of the Amazon Gift balance.

Do so at your own peril though as, despite some suggesting this is not against T&Cs, you may find that Chase feel it to be not "in the spirit of the cashback promotion" and may warn you against such activity, or even close your account.

Personally, I just do my normal everyday shopping with Chase. Not interested in trying to manipulate the promotion. Who would want to risk losing access to 1.50% savings rate over a few extra pence in roundups?

Amazon top up has been minimum of £1 for a while now so £1.01.

I remember seeing on reddit that someone had done hundreds of transactions to pay their credit card bill and Chase contacted them to politely ask they stop or they would close the account.

I agree it is not worth the effort to bulk up the round up account at the risk of losing the current account with cashback and the savings account.