Finally got my invite and approval since I requested to apply on launch day.
Smooth process, surprisingly arenโt eligible for a loan or overdraft but am for Flex.
Had to add card by card details to Apple Pay due to being TestFlight.
Hopefully find a ps5 online and can treat myself and flex for days.
Edit: I was also offered overdraft for the same amount, good times.
Saw an advert for Flex today on the Monzo Insta so I suspect the full roll out is imminent.
Thanks you monzo because I got invite yesterday and I absolutely love it
Thanks you 
Same as me, except that I am eligible for overdraft, but not for Flex for some reason.
Fingers crossed the role out speeds upโฆ feel like I have been waiting ages to be invited.
Just got invited, wasnโt eligible 
.
โDear Lord, what a sad little life, existing flex users. You ruined my night, completely, so you could have flexible money, but I hope now you spend it on getting some lessons in grace and decorum spread into 3 equal payments because you have all the grace of a reversing dump truck without any tyres on.โ
All in jest of course 
I look forward to the day Iโm eligible. Just glad I finally got my outcome haha.
I understood that reference.
So what is the period we get to change a payment from the default 12 months to what we want it to be? I canโt seem to find this in the credit agreement.
If Iโve understood correctlyโฆ
You have 24 hours to select the plan before it defaults to 12 months.
And literally any time after you can change your instalment plan to whatever you want.
Itโs the end of the next day. So if you make a transaction today (23rd November) at any time of the day itโll be at 00:00:01 on the 25th November.
Which time zone?
Pretty sure Monzo work on UTC?
Would there be a need for a UK bank to work on a different timezone?
In the summer months, yes.
Or rather, if they are adamant in sticking to a single time zone year round UTC+1(BST) would be the better one to use in my view. And alter their processing times to accommodate.
I think most of those in favour of wanting to abolish the tradition of changing the clocks twice a year (I am one of these) would rather BST be the one we keep (Iโm indifferent).
As long as we rename it GMT. There is something nostalgic about calling it Greenwich Mean Time.
I know, silly old bugger! R-
I need a refund in store for an item I bought with Flex, is this straightforward?
Update on this earlier post. Over the weekend that ยฃ55 cash advance became a ยฃ139 cash advance as the merchant has now refunded the duplicate transaction, but the ยฃ55 Flex balance hasnโt automatically settled and Monzoโs ยฃ88 chargeback refund is still in my account too.
I sent a message via chat about this on Saturday and I still havenโt heard back. I know I can fix the Flex bit myself, but I figured it would be useful for the team to see whatโs happened so they can make the process better for others in the future.
None of us can speak for whatever retailer it is to be fair. When they need a card to refund an item, just hand over your usual Monzo card and see what happens. Generally a shop assistant isnโt going to check the card matches, they just ask you to input it into the reader so they can send the money back.
Not sure how Flex handles a refund though when done through a shop. Iโd suspect youโd have to contact chat and let them do something to remove it from Flex once the refund is confirmed in the feed.
Donโt you pose risk of missed payment to your credit file for non payment if youโre depending on Monzo or whoever to fix something neither is holding their hands up to?
Surely it makes sense to settle any outstanding amounts from a stubbornness point of view considering you say you have the funds to do so, and then wait for this to be resolved naturally?
Okay fair enough, will report back 
