@crag92 I think we have a pretty good track record of listening to and responding to feedback, including making changes to existing features. So just because we’re rolling out the feature as it is now doesn’t mean we’ll never revisit it.
For example: we changed when we took the first payment, launched a physical card, removed the £30 minimum spend, unblocked pay at pump… all based on feedback from customers.
I included the explanation for how we designed the feature in the original post, but @dinosm summarised it perfectly here:
the default for any credit card is ‘pay next month’, so this is included as one option. Also, any other credit card has a minimum payment option you can set, and this is reflected by setting 12 months as another default option, so basically having these two as possible default options means Flex can function pretty much as a real credit card.
We’ll continue to monitor all feedback on Flex, including being able to set 3 monthly payments as a default. It’s just easier for us to keep track when it’s all in the central thread.