How many do we have to get to for a sneak peak of an upcoming feature?
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Yes - this!!!
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Life= 
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My ‘other’ on what do you use credit cards for:
Maybe comes within big or valuable items a bit but I always use my credit card if buying tickets for friends or paying for a group AirBNB or something like that. So that even my slowest friends can pay me back before I actually lose the money.
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Wow seriously people would happily accept a card at 40% APR, assuming those users would be the ones paying in full each month.
Yeah I voted for that as I would only be putting stuff on my card I could pay off end of month.
I’ve also got a 19% overdraft so would use that first if I ever had to.
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Haha - we’re doing some very early explorations of something new - way to early to share anything though i’m afraid!
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Yeah it would definitely be on the high end, but if it’s paid in full each month the APR is irrelevant. So for my use case, the S75, and app integration, is the key feature that would encourage my use.
My AMEX is in the region of 25%, and I think their charge cards are like 60% or something.
A benefit to Monzo with Credit would be the higher interchange caps. If I’ve read correctly they can get an additional 0.1% in interchange fees.
So if I were to get a credit card, I would likely switch all my spending to Credit, because why not, and Monzo would see a nice increase from those fees.
But that’s assuming the criteria are less strict than loans and overdrafts
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But not too early to give a small hint?
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It’s borrowing related 
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On this poll or on the big poll? (Or both?!)
Need more evidence that PeterG is really monzo staff lol ?
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I picked that option as I would pay off in full every month. I’d be keen for a ‘day-to-day’ credit card that integrates into the app. I wouldn’t expect to pay any interest. 
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Surely if it’s day-to-day and you pay it off every month then most of it can just be paid for using the debit card?
I honestly miss something big when people pay off credit cards in full (that have no benefits) for day to day use. Section 75 sure for some larger items but day to day… I don’t see why you don’t just use Monzo as usual?
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I quite often use credit cards to smooth over my outgoings. I’ll stick an amount in savings at the beginning of the month - if I’ve not got enough in my current account for something, I’ll use a credit card and sort out moving money back from savings in slower time. It also gives me the (marginal) benefit of a little more interest for those few days…
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Yeah it’s Monzo’s odd (somewhat arbitrary?) lending decisions that would make me cross if they wouldn’t offer me a credit card…
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Also if they seem to change your limit without notice like the overdrafts.
I like Monzo, but I wouldn’t trust much lending from them at the moment. Sometimes I want credit as a security buffer, and I can’t trust right now that it would be there/be the same at all times.
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I only want a credit card for the likes of car hire deposits, and when I’m able to travel for work again I’d use it for my expenses which I’d be pay off the following month when my employer pays me back.
A credit card is good for this as it isolates my work expenses from my personal spending on my debit card, making both types of spending easy to keep a track of.
The reason I want said credit card to be a monzo one is so I can have my finances under one roof*, in an app I’m familiar with and in a company I trust.
I said something similar in another thread about credit cards, monzo doesn’t have a revolutionary current account, it’s the app that people care about, so a potential credit card shouldn’t have to be revolutionary either.
*sure I have backups but I want the accounts I actually use to be all in one place.
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