A good month for cashback, a bad month for sticking to my budget:
3 months remaining of cashback till 28 February 2023. By far the best/easiest cashback programme I’ve ever used.
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A shame for you.
Fortunately, Chase U.K. has been working for me.
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Good on you! keep on rinsing them!
Once my 12 months are up my account goes dormant, I am sure they hope I will stay around after so they can try and make back some money off me but they will be out of luck with that given how flaky the service can be and how slow/crap the app is and that wont help their active user numbers either. I know a few others doing exactly the same thing as well.
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I still don’t get the hate for the app, maybe I have a different version to everyone else or something but it’s clean and fast for me, I’ve never had any issues with it.
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The app isn’t the issue (it’s one of my favourites for a bank), it’s the downtime and service issues that cause frustration.
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Many of us also haven’t experienced this either to any material extent. Call it luck or whatever, but not everyone is a power user - so long as the debit card works, and the app is up once or twice a month around payday to shift monies around, that’s enough for most people that they don’t every notice or encounter supposed issues or even need to interact with support.
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But that’s the issue here, isn’t it. With the exception of one time when FD went down on Friday night and if I was in the Pub I’d have had to use my other account, no other bank has anything like the stability issues chase have had.
It has nothing to do with being a “power user” either, when a bank stops working 3-4 times a month then it’s not really offering a basic service you would expect from a bank.
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Sure, but in my case any and every time I’ve paid with Chase since Sep 2021, I’ve not been impeded and I’ve put all my spending through Chase. I suspect the minority have had the issues you’ve had and that’s not okay, but it’s also not the end of the world if the majority of their millions of customers had my experience.
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That’s true and I agree. It was more around the fact that you considered basics such as being able to transfer whenever you wanted and to use your card being a “power user” - If I have a transfer or payment I expect to make it there and then 
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Other than the start of October when it melted down for 2 days with poor comms. Your a fan so I expect you to be more tolerant of issues even if you only use the app twice a month. With a cost of living crisis most people I know (not “power” users) check their bank apps several times per week, hell my mother does and she doesnt actually need to worry about money and even then she boots the RBS up every couple of days.
I think you are a bit out of touch with the statement that only “power” users check their apps more than twice a month.
Your card wouldnt have worked for online payments during the outage when it required 3DS which affects a lot of my day to day purchases and this is before having to front load the chase card with cash which wasnt working well either. Maybe you dont shop much online or avoided it during that major outage though but its hardly a “power” user thing to do.
I know plenty who moved bank after the TSB issue and I know people will have moved money out of chase after that huge blip at the start of last month, a few days after payday as well.
You say we are power users are in the minority with having issues but you too look to kindly on the issues they have and ignore them I feel.
I have 900Mb FTTP with brand new Wifi 6 routers and I find the app sluggish. Other banks have worse apps and slower apps but that doesnt make chase a good app, it makes it a crap app but not a god awful app. If this was 10 years ago it would have been acceptable but it will be directly compared to other banks that have much better apps making it a bit crap.
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I had problems with the transaction that I went to use which failed and then I saw on Chases status it said:
You might have issues logging in, completing online card payment security checks and navigating the app.
So I wrote it off and went to use it later and by that point things seemed to be melting down further.
I never noticed the option for SMS but the page was having issues, I am surprised they didnt tell people to use SMS if it was working on their status page.
You wrote an essay on something I said is not okay. If you guys who are in the minority have been affected, I’ve always acknowledged that this is bad service and thus understand why Chase U.K. wouldn’t be for you.
It’s also okay that for many others Chase U.K. has been working smoothly for their needs. It seems it’s you who can’t accept this and want to project your experience onto others. I’m not a “fan” for having a positive experience; I’ll take back power user if it offends you so much - wasn’t the intention of prior post; my point remained the majority have have a wholly satisfactory/excellent experience.
Positive Chase experiences are not allowed in this thread and it’s laughable tbh. Always a caveat.
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I mean based on what? have you asked them? did they, like you, not use their app and online payments or transfers during the 2 day outage?
We will see how things are going with how fluffy they make their next statement I guess and dodge real metrics.
Positive is fine but when people say negative things you dont need to disregard them by weakly acknowledging it happening while saying no one else gets the problems without citation and that if chase has problems when we use it then may not be the bank for us, we are free to criticise them as much as we want and just because quite a lot in this thread have issues but you dont it doesnt mean we should stay silent.
Its laughable you seem upset that people post negatives and issues they have here, and lately that’s what the majority have validly posted about, it doesnt mean there are not positives like rinsing them for every penny they will give.
If they want to give me money I will take it but they will have a hard job keeping me and possibly others with the poor experience but you are happy with them so enjoy but my experience is as valid as yours.
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Patchy but improved.
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Yeah November was a lot better to be fair, they just need to boost the app speed a bit and it will go from crap to okay imo.
I did wonder if black friday might cause an issue but black friday became a over a week long and will have helped spread out transactions across all consumer banking.
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Hi guys, anyone managed to close their Chase account but then later either reopen it or get a new account? TIA 
Mate there’s literally 6 DAYS between when I posted and the negative posts before me. My post wasn’t in response to that stuff nor did I interject any negative posting…
Literally the opposite happened, i posted a high month of cashback and someone else came in with a negative post immediately following.
Are you okay? Now are you going to say “negative posting is fine but when people say positive things…” I want you to say this now
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If I recall you cant reopen for 12 months or someone posted that above.
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Did you ignore your posts after?
Did I specify that cashback post or did I accidentality reply to your cashback post in the my last post or the more recent one or did I quote you correctly?
Are you okay mate?
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In fact I didn’t. I just read them again since I posted and there’s nothing wrong with my posts, except you being offended by them and trying to police me but not police a stream of negativity because that aligns with YOUR experience. Sorry mate, but balance exists and you have none.
Let’s end it here, respectfully.
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