My Chase account has sat empty for months and I don’t initially have the referral offer however after paying in £1500 I got the ‘refer 5 people’ email the day after.
Have added my codes to the referral code sticky if anyone needs one.
For anyone that hasn’t got their own codes, if your account has been dormant try paying in and out £1.5k.
Added my referral codes if anyone wants to show some love 
My name is at the top of the list and I would like someone (anyone!) to use my codes please 
(Just saying 
)
Just received my new Chase debit card - it’s much better quality than the old standard blue one from a year or two ago.
That’s great! I don’t understand why they don’t offer overdrafts I definitely need one to ensure my bills and mortgage are paid on time.
I’ve never missed a payment and don’t have an overdraft 
I’m paid every 4 weeks and almost all my bills are due first every month. I usually pay them but occasionally I need to dip into my overdraft for a few days…
I’ve got a £1k overdraft on both NatWest and Monzo, but I can’t say I’ve ever used it. I think it’s a mental thing where if I mess up and forget a direct debit, card subscription etc is coming out it won’t bounce.
NatWest previously removed my overdraft, after 6 months or so it said I was eligible again so I added one back. Wouldn’t surprise me if they remove it again, it’s not financially beneficial for them to let me have one sitting there unused.
Ironically Chase won’t give me a credit card - I’ve been declined every time I applied, so not sure they’d give me an overdraft either if they eventually offer one. Never had an issue getting overdraft/credit cards with NatWest or Monzo. My Barclays Premier account says they can’t lend to me but I don’t use the account at all really.
Think Barclays is one of those you need to use before they consider you in most instances.
They told me they were going to remove mine, I just told them I didn’t want it removed and they left it.
Surely that means you have more than enough money in the kitty to pay everything as you get paid twice one month a year?
If someone budget strictly then yes it could work like that, but it generally doesn’t.
Is Chase still a good account to open sub accounts for switches? (On second thought, LBGs only do soft checks for second accounts onwards so I might not need Chase.)
You’d think so, but some people can’t control themselves at all. I have colleagues who would rather get paid monthly than weekly for fear of running out of money by Bills Day. “Just don’t spend all your money by then" doesn’t work for them.
Yes very good and efficient, currently have two on the way out and created some more to wait.
You will have to wait for the card in the post or until when details show up in the post before you can use that new account for switching. With Chase you use the same old card, initiate your move and roll on.
LBG gives you the actual physical card number in-app so the only downside is a wasted piece of plastic via the post. Took only 2 working days for mine to arrive, I was pretty impressed.
I thought Chase gives you only 1 card to use among all current accounts, so CASS system might close your Chase main account instead? Or did you keep the card linked to the dummy sub account until the switch is completed and then move the card back to your main account?
I’ve never given my card number for any of my Chase switch outs, I just say I don’t have one and it’s never caused an issue so far.
You still give the card number as you only get one, but your account isn’t closed provided you still have one other current account active in Chase.
I’ve posted some codes in the referral wiki if anybody is interested.
An OD and cashback on bills are my number one wishes for Chase improvements…
(also my codes are in the referral thread. I missed out last time too… I’d be eternally grateful if some used mine 
)
When I did my switch out of my Bills CA with Chase I just didn’t give the Debit card number. There was no issue.