Chase UK discussion

Zanderman

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.  [ETA: 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?

[Deleted User]

Ok lets look at some of the benefits, 

They won't charge you abroad for transactions.
1% cashback for a year.
5% round up
Direct support via the app or by phone (this will have to be quick to beneficial compared to other digital banks) 
You can set up extra accounts in the app to allow better budgeting.
You can trash your old card and create a new one, while keeping the old plastic card (that's how I read it)

Each new account will have its own unique account number which you can use to transfer money from another bank. Having more than one account with us won’t impact your credit score. You can have up to 20 separate accounts at a time, including your initial account.

[Deleted User]

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.

Unless I'm missing something?

No that's how it works, unless you write down the details somewhere in a secure note or something, which is not recommended clearly. Or you can use Apple Pay etc.

Catplan

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.

Zanderman

[Deleted User] 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.

Unless I'm missing something?

No that's how it works, unless you write down the details somewhere in a secure note or something, which is not recommended clearly. Or you can use Apple Pay etc.

Well clearly you can use apple pay etc.  That's the same as using the card.  It doesn't help when you need the number,  So if that's the way it works it is, as I suggested above, rather inconvenient for many online (and over-the-phone) transactions.  Not appealing at all!.

Daliah

[Deleted User] said:

 (the card in the image is clearly mental?)

Love that Freudian.

Lightning360

Zanderman said:

[Deleted User] 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.

Unless I'm missing something?

No that's how it works, unless you write down the details somewhere in a secure note or something, which is not recommended clearly. Or you can use Apple Pay etc.

Well clearly you can use apple pay etc.  That's the same as using the card.  It doesn't help when you need the number,  So if that's the way it works it is, as I suggested above, rather inconvenient for many online (and over-the-phone) transactions.  Not appealing at all!.

Most people will have their phone to hand whereas they may not have their card to hand so it's hardly a big issue. With a card, you may take more time to look for the card and with a phone you may take more time opening the app, but at least the latter is more secure. 

And in reply to one of your other points, they will almost certainly be aware people won't use them at the moment as their main account due to not having DDs at the moment, but people probably wouldn't use them as their main account anyway yet. They would likely test the app themselves before switching everything over so I don't think it's as big of an issue as you are making it out to be.

Zanderman

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!

Zanderman

Lightning360 said:

Zanderman said:

[Deleted User] 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.

Unless I'm missing something?

No that's how it works, unless you write down the details somewhere in a secure note or something, which is not recommended clearly. Or you can use Apple Pay etc.

Well clearly you can use apple pay etc.  That's the same as using the card.  It doesn't help when you need the number,  So if that's the way it works it is, as I suggested above, rather inconvenient for many online (and over-the-phone) transactions.  Not appealing at all!.

Most people will have their phone to hand whereas they may not have their card to hand so it's hardly a big issue. With a card, you may take more time to look for the card and with a phone you may take more time opening the app, but at least the latter is more secure. 

And in reply to one of your other points, they will almost certainly be aware people won't use them at the moment as their main account due to not having DDs at the moment, but people probably wouldn't use them as their main account anyway yet. They would likely test the app themselves before switching everything over so I don't think it's as big of an issue as you are making it out to be.

Ok, I'm going to stop commenting here soon as it's wasting my morning, but on your first point maybe, maybe not.  People will have the phone with them sure, but the card is easy to see next to the phone, you don't have to keep switching screens from the app to the order page.

On your second para - that people won't yet use this as their main account so it doesn't matter yet. Well yes, it won't if they don't - yet.  But Chase is aiming (they've said so) that they want people to use this as their main account. So even if the issue isn't big to start with it will - if it's an issue - become big if Chase are successful in getting people to use it as main.  And it may well put people off using it as main, so Chase may fail to achieve that aim partly because of the numberless card. It certainly puts me off.

Right, I'm off to do something productive now.  TTFN

Lightning360

Zanderman said:

Lightning360 said:

Zanderman said:

[Deleted User] 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.

Unless I'm missing something?

No that's how it works, unless you write down the details somewhere in a secure note or something, which is not recommended clearly. Or you can use Apple Pay etc.

Well clearly you can use apple pay etc.  That's the same as using the card.  It doesn't help when you need the number,  So if that's the way it works it is, as I suggested above, rather inconvenient for many online (and over-the-phone) transactions.  Not appealing at all!.

Most people will have their phone to hand whereas they may not have their card to hand so it's hardly a big issue. With a card, you may take more time to look for the card and with a phone you may take more time opening the app, but at least the latter is more secure. 

And in reply to one of your other points, they will almost certainly be aware people won't use them at the moment as their main account due to not having DDs at the moment, but people probably wouldn't use them as their main account anyway yet. They would likely test the app themselves before switching everything over so I don't think it's as big of an issue as you are making it out to be.

Ok, I'm going to stop commenting here soon as it's wasting my morning, but on your first point maybe, maybe not.  People will have the phone with them sure, but the card is easy to see next to the phone, you don't have to keep switching screens from the app to the order page.

On your second para - that people won't yet use this as their main account so it doesn't matter yet. Well yes, it won't if they don't - yet.  But Chase is aiming (they've said so) that they want people to use this as their main account. So even if the issue isn't big to start with it will - if it's an issue - become big if Chase are successful in getting people to use it as main.  And it may well put people off using it as main, so Chase may fail to achieve that aim partly because of the numberless card. It certainly puts me off.

Right, I'm off to do something productive now.  TTFN

It just depends when they are ready to add DDs and the normal CASS system. If it takes years then it will be an issue. If not, probably not.

If you are bothered about not having numbers on the card, you probably aren't their target customer.