I’m not quite sure I follow. Are you saying that the rules are such that the card has to be locked to a particular BIN?
Got a link? (For interest not because I don’t believe you!)
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Years and years ago when I lived in the US I had one card for both credit and debit; the checkout would just ask which one I wanted to use.
It was similar to this: A Credit and Debit Card: 2 Cards in One - The New York Times
Though it was with (the now defunct) Wachovia bank.
(It actually served as my university ID and had a third option on campus of charging to my meal plan account, so it sort of “carried credit” as well since I got free food and drinks on campus)
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Tight bleeders!!
Not even until next month!
And some moaned about Monzo not offering the full 0.25% raise 
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Monzo seems amazing now because they offered the extra 0.2%, effective now
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Interesting from Chase when they’ve been pushing the interest rate previously.
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Probably haven’t heard Monzo are offering a better deal lol
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They likely don’t care, but they will be aware.
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Yeah, I will continue to sacrifice that 0.1% for the convenience of running DDs off my Chase savings account.
Same, I have a few credit cards with DDs set up on one and then have other savers there so it’s all in the same place. Definitely a big pro of Chase that all the accounts have separate account numbers.
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That’ll be the clock change no doubt. Most banks have downtime.
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Mox, in Hong Kong, does this. They have a similar numberless card approach, and you can switch between debit or credit spending.
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So much for a modern tech stack.
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All banks have this. Monzo don’t and they have an issue then with time being “wrong” for a portion of the year. We get this every time the clocks change. It doesn’t affect 99.9% of people so it’s not a big issue.
As ever, Chase are just letting you know prominently, whereas most banks don’t. That’s all.
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I mean RBS/NatWest etc all have warnings in the app about the outage and have done for days.
I do think Chase is very legacy with this downtime, I should not be an issue at all. Given I run my account at a low balance I will have to pre-empt putting enough cash in to tide me over on the night as I wont be able to check or transfer in which to be honest is a piss take for a supposed modern bank.
Maybe I should leave more in but I want to rinse chase for all I can and I dont see them ever making profit from me.
Its not “wrong” its UTC and I dont know why its such an issue for people.
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Because it doesn’t match the time zone where people will actually be using Monzo?
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I don’t want to get into it but it’s wrong. GMT+5 isn’t “an incorrect time” but it’s not the time used in the UK. UTC isn’t either.
Personally I don’t see the issue with downtime a few times a year at silly early hours on a Sunday morning that has actually happened pretty much our whole lives - in fact ATM’s used to go offline. Somehow, somehow, we survived.
Obviously do as you see fit with your bank accounts, but it’s somewhat ironic to suggest banks should be investing in tech to stop this when you openly “rinse” one of them. If everyone did this banks wouldn’t be able to actually do the things you demand.
Even the banks that are tech-savvy (say, Monzo) have issues (the time being wrong) so it’s clearly not something easily solved. You might just have to hold your nose and throw an extra few quid into your account twice a year.
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They offer the money, I take the money, they make their choices. They made the mistake before with the referral program over the tech stack and had huge amounts of issue because of it, that wasnt people who signed up at fault, it was chase putting the money in the wrong places.
Hell next no one should use CASS offers because the poor banks wont upgrade their tech stack, do you realise how silly that sounds? its the customers fault for using the offer keeping the bank poor and unable to compete because they chose to give the money away instead of investing it in the tech systems.
That may sound aggressive depending on how you read it but its not meant that way, more surprised to have a defence of poor banks 
I dont see you taking to task with anyone else about the rinsing that goes on with nearly every bank offer and thats before we get to stoozing mentioned above.
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If you’re CASS’ing in just for money you aren’t using the bank. You’re unlikely therefore to be complaining about them being down twice a year.
You’re actively remaining with the bank. If you just want one thing from them and that thing is removing more money from them than you provide to them (ie. you’re a loss customer) then don’t expect improvements. You did indeed make a choice - and they go down at this time as standard in the industry currently. That’s your choice. Not sure where you’d be going to where it doesn’t happen, but I’m sure they would love your custom.
It’s not a defence of “poor” banks. Like I said, every bank has issues with time changes. It’s just a comment that you reap what you sow. Rinse any company of money without providing them with a profit and you’re not going to see improvements.
Anyway… point really is - this is pretty normal and not a Chase-specific thing. We will survive.
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