I have a suggestion to help those trying to manage credit utilisation rates
Zopa credit cards have a “cushion” function where you can determine an amount from your limit that can’t be used, it’d be great to have something like that on the flex and overdraft in monzo
E.g. I have a £3k flex limit, but I could set a soft limit of £800, any transactions that would take me over that get declined
Not only is it good for helping utilisation, it’s nice to know that I could turn it on and always have that little extra for emergencies