Is there any further news on when this will be rolling out to all customers please?
Whatās the status on this feature? Can you at least make it available as a lab that I can turn on? I am about to use the card for a few days and would rather avoid the completely unnecessary pain of having to select the instalment plan every timeā¦
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@TomMills is this feature separate to the new flex feed? Got access to the new feed but couldnāt see an option for default payment. 
It was a small trial rollout, the launch will come eventually
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Weāre looking at the trial data at the moment, so Iām hoping to be able to share next steps in the next couple of weeks 
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Iāve had it set to pay in full since I first got the feature, would like to be able to select pay in 3 though. 
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Morning folks.
Quick update on this - weāre rolling out defaults to everyone, starting this morning. Weāre spreading the roll out over a few days, and weāre aiming to finish early next week
Iāll close this thread when weāve finished. Please share any feedback in the main Flex thread going forward 
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Tom, why is this another feature that Monzo have half-implemented? Itās great to be able to set a default, but until the 0% pay in 3 option is one of the options, this feature is not finished and to be honest, not much use to anyone.
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Where does it say itās finished?
Itās useful to lots of people, as this thread demonstrates. 3 month default would be best and Monzo know thatās wanted by lots of people.
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Tom very clearly states that they are rolling the feature out, and once itās rolled out he will close this thread. That is the feature being marked as āfinishedā as far as Monzo is concerned when it clearly isnāt. There is absolutely no valid reason that the Pay in 3 option is not implemented from the get go. Youāre right that itās wanted by lots of people, so why isnāt it done at the same time as the other options? Technically itās doable, as they have the 24 month option. So is it a regulatory thing? Seems unlikely.
Have a read of the thread instead of just complaining and youāll find the answer.
No it isnāt.
Nope itās a business decision by monzo to not
We can be nicer to people who may not have the time to read through 97 posts in hope of finding something relevant.
There is indeed more than one valid reason. One is that the default for any credit card is āpay next monthā, 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.
Now, a reason not to give a default option of 3 months is that it costs Monzo money when people do that, and as nice as they are, they also want to make money so they donāt want to make it too easy for people to cost them money, hence not allowing 3 months as a default option, although it is always available for manual selection.
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*19 posts before the answer was given.
Spend a fraction of the time reading that he does complaining and it would be a lot easier. Have a look at the post history.
@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 weāre rolling out the feature as it is now doesnāt mean weāll never revisit it.
For example: we changed when we took the first payment, launched a physical card, removed the Ā£30 minimum spend, unblocked pay at pumpā¦ 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 āpay next monthā, 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.
Weāll continue to monitor all feedback on Flex, including being able to set 3 monthly payments as a default. Itās just easier for us to keep track when itās all in the central thread.
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At least I donāt defend every single thing they do and lurk on every thread. I come to provide honest feedback for things I donāt like, I have a life so I donāt have time to come here every day to explain all things I do love about Monzo. And I do love them, thatās why I invested.
Thanks for the response. I see the logic, and Iāve said my piece.
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As, so reading the forum youāre signed up to is bad. But logging on sometimes to be selectively critical is good. Gotcha.
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You do realise I shared the exact same critique as you at the beginning of this thread?
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Still not had this through, is rollout taking longer than anticipated?
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