Cheese Bank?

Maple08

One thing that Chase has taught me is the large number of people will whine about direct debits or switching, while also (somewhat) going on about having multiple bank accounts. You could've just had DDs on a separate account, like the Santander one which is the holy grail. We'll get DDs in a few weeks so that's a plus.

Anyways, I've been very happy with the bank so far. I didn't really care if it had DDs or not because it's an account for spending and seems to be curated towards that with the multiple accounts feature.

Chris_English

Daliah said:

Chris_English said:

Daliah said:

Deleted_User said:

Deleted_User said:

Chris_English said:

Deleted_User said:

To be frank, I am just a customer who wants DD. I don't care about how the bank wants to set up etc. If you don't offer what I want, I won't be using your services. I thought an American bank would understand that above all.

They do, they are one of the biggest banks in the world.

Why do you think that they don’t understand it very well?

Because they launched an account in the UK without DD. It is like opening a hotel without a check in desk.

Just like Monzo and Revolut? If you aren't happy, don't use them - simple. 

I got an email confirming that Direct Debits will be available from next month (March) 

It's really funny the bank which has existed for centuries and has got all the financial prowess in the world is now getting compared with Fintechs, one of which isn't even a bank in the UK.

I have never said that I am not happy with Chase. I am just getting bored with getting reminded over and over again that the company has existed for a long time. As if that mattered to a retail bank customer when the UK licence conditions for a bank include FSCS protection. Having been in business for a very long time, and having stacks of cash, is zero guarantee that you have great customer service, or the best offers for consumers. 

And upsetting a few strange types on the internet is zero evidence that they are doing something wrong.

There's a little too much solipsism being employed here I think.

I don't need to resort to ad hominems when it comes to assess the services provided by a bank. They either do provide them or they don't.

I also don't have to resort to ad hominems when assessing the quality of the services they do provide. I simply assess them by the value they provide to me. After all, a retail bank (like other consumer businesses) lives or dies by what their customers think of them. Very few businesses survive, long term, on the strength of their age or their financial prowess. 

You really may want to have a bit of a rethink there. Businesses don’t survive long-term on the strength of their age?

A 200 year-old business making billions of pounds per year may not survive long-term?

A business may not survive long-term on their financial prowess?

Oh dear. To spell it out, in case you were being serious, yes, firms survive based in financial prowess, and to claim that a long-surviving firm may not be long-surviving is just ridiculous.

What you are doing here is like claiming that Bugatti don’t make good cars because you personally want one that you can fit a piano in the back of.

[Deleted User]

Deleted_User said:

[Deleted User] said:

Chris_English said:

[Deleted User] said:

To be frank, I am just a customer who wants DD. I don't care about how the bank wants to set up etc. If you don't offer what I want, I won't be using your services. I thought an American bank would understand that above all.

They do, they are one of the biggest banks in the world.

Why do you think that they don’t understand it very well?

Because they launched an account in the UK without DD. It is like opening a hotel without a check in desk.

Just like Monzo and Revolut? If you aren't happy, don't use them - simple. 

I got an email confirming that Direct Debits will be available from next month (March) 

I didn’t use either. 

I don’t use them lol.

[Deleted User]

Marchitiello said:

Deleted_User said:

To be frank, I am just a customer who wants DD. I don't care about how the bank wants to set up etc. If you don't offer what I want, I won't be using your services. I thought an American bank would understand that above all.

Then close the account. For those of us that opened one as soon as they launched, where you had to express an interest and were later invited to apply, it was clear that it was a controlled launch. As many other Challenger banks they also have launched without a way to make cash deposit, they all fail to understand that people may want to make them? 

Let me spell it for you: they launched without some basic functionality but at the same time they offered some introductory promotions to make you use the account, get feedback and suggestions, iron out anything that does not work, and learn the customer behaviours… it is one of the way a business may enter a new market, simple. 

Let me spell it out for you. I don’t care.

They don’t have DD so I don’t use the account. Simple as that. It doesn’t cost me anything to keep the account open. 

[Deleted User]

Daliah said:

Deleted_User said:

[Deleted User] said:

Chris_English said:

[Deleted User] said:

To be frank, I am just a customer who wants DD. I don't care about how the bank wants to set up etc. If you don't offer what I want, I won't be using your services. I thought an American bank would understand that above all.

They do, they are one of the biggest banks in the world.

Why do you think that they don’t understand it very well?

Because they launched an account in the UK without DD. It is like opening a hotel without a check in desk.

Just like Monzo and Revolut? If you aren't happy, don't use them - simple. 

I got an email confirming that Direct Debits will be available from next month (March) 

It's really funny the bank which has existed for centuries and has got all the financial prowess in the world is now getting compared with Fintechs, one of which isn't even a bank in the UK.

I have never said that I am not happy with Chase. I am just getting bored with getting reminded over and over again that the company has existed for a long time. As if that mattered to a retail bank customer when the UK licence conditions for a bank include FSCS protection. Having been in business for a very long time, and having stacks of cash, is zero guarantee that you have great customer service, or the best offers for consumers. 

Indeed, logic and common sense has gone out of the window. You really have to wonder if Chase operates on these forums.

[Deleted User]

Chris_English said:

Deleted_User said:

Chris_English said:

Deleted_User said:

To be frank, I am just a customer who wants DD. I don't care about how the bank wants to set up etc. If you don't offer what I want, I won't be using your services. I thought an American bank would understand that above all.

They do, they are one of the biggest banks in the world.

Why do you think that they don’t understand it very well?

Because they launched an account in the UK without DD. It is like opening a hotel without a check in desk.

They didn’t do it by accident, they know what they are doing.

It’s remarkable the sort of people who think that they know better here.

I didn’t say I know better. I said I don’t care and all
i care about is the service they offer.

Do you actually understand that this is a multi billion dollar bank and it doesn’t care what any customer thinks beyond profit driven goals. They need to please me with service or I won’t use them. That’s the way it works. Chase is not a religion. Although you’d be forgiven for thinking it was in this place. 

To launch without DD is unforgivable and it has fundamentally wounded the brand in the UK.

Marchitiello

[Deleted User] said:

Chris_English said:

[Deleted User] said:

Chris_English said:

[Deleted User] said:

To be frank, I am just a customer who wants DD. I don't care about how the bank wants to set up etc. If you don't offer what I want, I won't be using your services. I thought an American bank would understand that above all.

They do, they are one of the biggest banks in the world.

Why do you think that they don’t understand it very well?

Because they launched an account in the UK without DD. It is like opening a hotel without a check in desk.

They didn’t do it by accident, they know what they are doing.

It’s remarkable the sort of people who think that they know better here.

I didn’t say I know better. I said I don’t care and all
i care about is the service they offer.

Do you actually understand that this is a multi billion dollar bank and it doesn’t care what any customer thinks beyond profit driven goals. They need to please me with service or I won’t use them. That’s the way it works. Chase is not a religion. Although you’d be forgiven for thinking it was in this place. 

To launch without DD is unforgivable and it has fundamentally wounded the brand in the UK.

Ahahah this is so funny, it has wounded the brand.. let’s pick this statement in 18 months …