Right? All consumer finance is basically theft, but that model seems particularly egregious.
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I use it to hire cars abroad, so this model doesn’t really work for me at all.
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We’re maybe heading a bit off topic here, but something i think would be genuinely innovative:
- You get a credit pot for a fixed value
- That pot can be used for card purchases in a credit card like scenario.
- That pot also replaces overdrafts and is dipped into when any of your pots go overdrawn (so is useful for bills paid directly from pots).
- You can withdraw from pot and use as a loan
- You can, even if you don’t have a credit history, add your own money to the credit pot to create a virtual line of credit / your own overdraft. (And/or offset against positive balances à la Starling)
- Section 75 compliant etc etc
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My last post reminded me: I’d forgotten something.
- Bills paid directly from pots.
But that last point does raise the question of how overdrafts will work across the main account and pots. Maybe the previous post is some way to resolving that?
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I could go on about not only Joy Division & New Order, but the entire Manchester music scene for quite some time. 80’s/90’s insanity. How on earth did I get through that lot?..
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Another clue on the subject of this next big update.
Big enough for its own tab on the main nav bar 
and its a paid feature?
I wonder if Thursdays (or sometimes Wednesdays) release will give us anymore hints 
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Probably not, they’re in ultra sneaky mode
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So.
My initial thinking is the credit product, whatever that actually is?
We’re waiting for a fair few things (Monzo (and fintech) in 2021: Predictions - #63 by Alexferrigno) but nothing else we know of would seem worthy of a whole tab / wouldn’t fit neatly into existing sections.
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It could be that they brought back the graph but this time it’s bigger and has its own tab 
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Well they have been saying “soon” so should be some time before 2024 
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That’s what I thought - Summary/Budget-On-Steroids, but that plan seemed to get shelved when the furlough period started last year. I’m suspecting the much guessed-at Credit Pot feature is what’ll make it (revenue streams an’ all) but I’m not sure if that is big enough to be permanently on the Nav bar?
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Unless they do a tab for all lending
Loans, overdrafts and credit pots. Possibly thrown in bill splits awaiting payment
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The topic I took that from was people complaining about the plus tab.
If a néw one for loans and overdrafts is added, is that not technically the same? There would then be 2 promotion tabs 
Not if you have loans and overdrafts, then it’s a handy place to see everything
I don’t think it’ll be that though. I’m playing random speculation to delay doing an assignment
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The Plus tab is also handy if you have Plus 
Hopefully not much longer to wait now either way 
Very. I like to check my interest there
I like to see when I have enough for a Freddo
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13 posts were split to a new topic: Silly Speculation
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And still no Trends for me 
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