This was in their fee information document, so must be accurate.
Someone on MoneySavingExpert was told that they do not yet report to any.
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Iād have probably never asked about any of those things to be fair haha.
The international transfer one is an odd one, even inter transfers and linked accounts from Chase UK / Chase USA would have been a bonus for some.
Iāll never have anything over 10k unless somebody passes away 
Telephone banking, I donāt think Iāve used such thing since pre online banking. Easier to just go in branch if anything major.
Credit reporting is another odd one, but I know some companies only report to 1/2/3 of the agencies.
And think of one top of my mind.
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The search showed on Credit Karma (trans union) so Iām going to guess itāll be there.
They do, and based on the initial transaction.
So far my cashback is for three days of having Chase, my spending overseas will come through when cleared:
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Damn, how did an MSE member manage to get that out of them?! The agent seemed really happy to ask his manager about it but came back as if I was asking for MI5 state secrets!
Just because they searched there doesnāt mean theyāll be reporting there I believe.
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It was a guess 
will find out in a month or two.
I guess without any form of credit offering at present there would be no need to show this information or report it anywhere?
Similarly to a prepaid visa or pay as you go phone.
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Or they might not be yet. They donāt offer any credit facilities so what would they need to report?
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Indeed, thatās what I ended up saying to the CS guy, who replied: āYou may do that. hopefully it works out the way you need it.ā 
At present, they could report the fact that you have an account with them, the account opening date, and the account income data (sometimes used to verify your answer to āhow much do you earn?ā on a credit application). Thereās a post on here somewhere by a Monzo employee that explains all of this stuff much better than I ever could!
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They could. But I donāt think right now thatās what they have to do. It took Monzo a while before they got to the stage they are at now.
They might be reporting anyway! When you say they ārefusedā do you mean they didnāt know? Refusing is a specific thing!
No, they explicitly refused to provide an answer after checking with a manager.
And the reporting of bank accounts without an overdraft is wholly voluntary, so just because they donāt need to doesnāt mean they canāt. I have multiple current accounts without overdrafts that show on my credit reports. Itās certainly not a necessity, but it is something I consider.
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Oh.
One answer for one.
Guessing your agent was British, the wording seemed on point, other than not capitalising Chase
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Maybe yours wasnāt British and they werenāt familiar with credit reporting
Unbelievable 
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They certainly seemed to understand what I was asking, but I agree they definitely werenāt UK based Iād say. They referred me to a terms and conditions document which I read. When I said that it didnāt explicitly state that they reported to all three agencies and reiterated the exact same question @coffeemadman just asked, I was told: āI cannot confirm of deny that informationā (I assume a typo)
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Iām fairly sure all their conversations at this stage will be monitored and feedback given accordingly.
You could use their complaints process for misinformation and tell us how that goes
I donāt want to make a complaint (feels a bit OTT), but I did receive an email asking for feedback following my chat and Iāll be sure to constructively fill that out tomorrow!
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This is what I could find in the terms and conditions (which are actually really good, simple and easy to understand so props to them for that):
It could be clearer, but I would have taken from this that they speak to any credit agency they name, but Iād definitely say it could be worded explicitly to avoid confusion.
Then againā¦ who is looking at a bankās terms and conditions for the credit agencies at midnightā¦ oh wait.
To be fair, even Amex isnāt clear, and doesnāt name any:
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I felt the customer support chat was not pure human. I think it is a mixed chatbot and human. Some portions in the middle of a sentence looked human but the padding around looked like canned text.
When dealing with humans I expect a variation of greetings/endings/etc. Even when there is a well defined corporate style guide. I am guessing it is blended / supervised chat bot.
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I got there in the end, but that was the feeling I had as well. Took about twelve different messages from me to get a simple question across and have them answer it while they worked through several different things in no particular way connected to what I asked
10/10 for response times though lolz!
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