A clear fintech fan I take it 
Probably makes sense being the Economic Secretary to the Treasury
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Starling wins dancing competition! Sorry Monzo 
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Great skillz. Monzo wave AND drinking tea simultaneously. Awesome.
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Starling has just rolled out in app loans (11% APR). Credit card to follow soonā¦
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Quite a high APR, is their acceptance criteria quite lax?
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Lots of backlash from the Starling community regarding the loans release, no communication from Starling yet (but no surprise there 
)
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What they offer is in the range of their overdraft offer. If you were given an overdraft, you shouldnāt have trouble getting a loan from them 
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Oh I just found the overdraft button - pre-approved for that!
Iād say they are quite generous with their lending practices. With loans and soon to be released credit cards, they will start generating healthy revenue streamā¦
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I quite like the way that you can use any unused overdraft facility for a short term loan; makes it more reassuring if you plan to buy something large that you know the credit facility will be available to spread the cost.
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Yeah! Quite a chunky overdraft compared to 
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And cheaper if you need to borrow smaller amount of money.
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soon to be released credit cards
Source? Iām interested. Could be a good replacement for my legacy credit card.
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I need to protect my sources! 
It will happen.
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Itās an interesting idea ā¦ if you have an overdraftā¦ 
Anyway, the announcement states:
Youāll also be able to spread to cost of big ticket items directly from the transaction feed.
Does anyone have that facility? It could be that, because I donāt have an overdraft, itās just not shown at all (Iām presuming it will appear on the transaction page, just like the Split / Improve / Attach items), but thereās been no mention on the Starling thread either. If anyone would like to repeat this question on there, thatās fine by me (i donāt have an account on there)
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Ignore me, I have just seen the screen shot on the official page. I should really try engaging the old brain cell now and thenā¦!!
Just had my card replaced due to my account being compromised. However they wonāt tell me a thing and keep telling me they cannot confirm the merchant. I then asked them if someone has tried to take money but they just keep saying it was for precaution.
They clearly know more than they are letting on and itās frustrating 
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Just saw this from Starling - great idea! Would love Monzo to implement something like this in the future!
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They might not be able to say why at the moment. When Monzo uncovered the Ticketmaster issue and replaced affected cards they couldnāt say why they were being replaced until investigations were under taken and it was all public.
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Hi Tom,
Iāve moved your post here (hope you donāt mind) as there is an ongoing discussion regarding Starlingās loans.
Good news is that Monzo are working on this! Read more here: Spread the cost
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