See the post I just quoted for example. I said it’s a thing. They are now denying that I ever had that experience!
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I think you need to recognise that what people write on this forum is their opinions. We are not expected to agree with you, and you are not expected to agree with everyone else. That is how it works. You are getting far too exasperated about it all (in my opinion of course 
). I even thanked you for explaining to me a use case I agree which would be useful.
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What has entitlement got to do with it? Millions of people don’t need MCC to reconcile statements. Are they all entitled too? Time to Mute this thread. It has taken a crazy turn.
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Ah but that was deliberate. If my opinion is so readily dismissed I was making the point that it goes both ways.
The rudeness (in this thread) is very much on the “need” side in my view. Belittling anyone who doesn’t agree is still rude 
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Not what I said at all.
Just something doesn’t apply to a single individual or that one person didn’t bother to read the explanation is not the same as saying it a falsehood, lie or logically untrue!
Saying “it is not vital for reconciling statements” because you personally haven’t had the need or knowhow to use it is entitled.
Your sole experience doesn’t make all the other people not exist!
It is fine to say I do not find this useful. For example I do not find overdrafts useful.
It is another thing entirely to state overdrafts are not useful with the tone that someone who does use overdrafts is both wrong and morally inferior. Listing all the ways in which one could avoid an overdraft.
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Wow. Pass the popcorn. Again.
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No idea. It was @anon28680395 who said MCC was vital, not me.
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There’s a difference between saying “don’t think I’d use this, not for me” and “I refuse to believe the issue you have explained even exists”.
The posts not aware of how it can be useful and asking for explanations were fine. The posts saying “nah, non issue, if you survived before you better man up and deal with it now” less so.
Hints for those who don’t seem to understand the Ides forum:
- whether it would be a desirable feature DOESN’T depend on whether you’d personally use it
- if people predominantly use legacy banks that don’t have a certain feature, it DOESN’T mean it’s not a potentially valuable feature
- if something is only useful if people are imperfect in some way (memory, checking every single push notification, always ensuring they are with data and near a phone mast), doesn’t mean it’s not useful
I only ever see @Js38wju3jda get this passionate about things that are available in America but not here in the UK.
Genuine question, are you from America too @anon28680395? Is this one of those things that is widely used by the consumer over there but not here?
I’ve never heard of it before so I’m curious and asking possibly silly questions 
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As entertaining as this car crash of entitlement is, I have better things to read. The opinionated few always make this an entertaining place although the credibility tends to dip at the same time 
Have a good evening, all.
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Possibly, but amongst super points earners.
But as monzo don’t offer points then why do you want monzo to provide this info?
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Cool thanks!
So this explains why there is so much confusion. This information would benefit US customers and not so much UK ones as per the majority in this topic?
Just trying to get a handle on how it got so heated 
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No. Never lived their either.
I guess it might be that this is more well known over there but I’m talking solely within a UK-only context in this case.
I use another UK account a lot because of this feature and also have to call other banks every now and then to get an MCC, but I believe it could be implemented by Monzo’s team better than bother other options.
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Monzo operates in the United States where debit cards offer points, sometimes quite a large number if the transaction is run through the MasterCard network as credit rather than the interbank debit networks.
I can also look at what merchants I’ve been to in the past that might be offering me more points via credit card. Some of the credit cards I have change the bonus 5% cashback to a different set of MCC each quarter.
There are other use case scenarios as explained and, more importantly, if it empowers some customers in certain situations why would you not?!
So far nobody has offered an answer to that. It’s literally the same database row as the information already displayed and available.
So mastercard gives the points? Because Monzo don’t, even in the US
Nope the issuing banks do.
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The interchange fees are for debit transactions which do not go through MasterCard or Visa, but rather the interbank network such as Pulse, Star Interlink are capped.
However if the transaction is run through the credit card networks such as MasterCard the interchange fees are not capped.
The transaction then becomes a signature transaction rather than a pin transaction.
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