Interesting, cheers 
I think @jwhiterz ‘s link covers it
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This is intentional. We don’t want to promote using more debt. So the idea is that the more you use your credit the bigger your orange bar is. Otherwise the more you spend the less orange you see.
I think his point is that if the bar is filling up like that and the percentage is ‘credit used’, then the wording shouldn’t say ‘available’, but ‘used’ or something similar
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I think it would be neat if the colour of the current account balance reflected the summary status similar to how credit card balance is always in amber…
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We’re on the same wavelength;
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It doesn’t make sense.
“Credit available 9% of £3500”
Credit available is ( 3500 - 300 ) / 3500 = 91%
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Sometimes they find an issue, sometimes it’s just random. We had a release held up for a fortnight because it crashed on their test servers but not any real hardware (and it was crashing in ios libraries at startup not our code). No idea how we got that resolved, just resubmitting it until they fixed their end I think (the CEO was trying to escalate but last I heard he didn’t get very far, escalating with a company like apple is very hard).
Apologies looks much better
Edit: Or did it…
Unless the debt is with Monzo 
So are we saying 2.56 for iOS has been delayed on the Apple review?
Ahahaha actually lolled.
I think this is a different point. One thing is making sure customers are aware we have lending options if they need them. We know customers at times of their lives take on debt with high street banks even when using Monzo as their main account (we can see this from changes to credit files) and it’s very much an awareness issue. Something very different is treating debt as “left to spend” which can promote the wrong behaviour.
Also this point has come many times before, about lending promotions. A lending promotion would be if I got a push notification, or messaging in the app saying “bruno you can take a loan at 20% interest rate right now, tap to get it”
This is different than showing a button with “learn about loans”. This is the entrypoint for loans in the app.
What you want is an option that says “turn off all lending from Monzo”. That’s a question for the lending team 
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Yes our submission got rejected. Fingers crossed we have testflight approved tomorrow.
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I really regret not joining the beta for the new nav — I keep desperately looking at this page and refreshing the App Store for the update!
You can enable it in Labs now. No need to join the beta.
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Hi! In the new view, is there a way to see your grand total across all accounts? The old view used to have this on the pots screen.
It helped me feel small joy that even when my current account was running dry I could see that I was slowly building up savings 
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Yes, on Android. IOS will come later.
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Yep it doesn’t make sense with the current wording. Would need to say “credit used” not credit available.
Yes I get where you’re coming from. I wouldn’t be too tied to the existing entry points to lending options. In the new nav these are being developed/decided by the product platform team (the one working on the app restructure). These entry points serve in many ways to validate that the new structure has good “empty spaces” to drive awareness of core Monzo features. Overdrafts is just one of them. The point of having a “product platform” team is exactly this, we come up with new abstractions for other teams to interface with customers through our product.
We can be super smart about these things. A lot of the things we’re created now are backend driven and can have smart logic on what to show, and when. For example the “Manage and Overdraft” button below your Monzo card is orange if you don’t have an overdraft setup. If you go to setup your overdraft and choose to have it at £0 (basically off) that entry point remains orange. Someone flagged this didn’t make much sense… I couldn’t agree more! If you already know about Overdrafts and explicitly choose to have it off there is no point in telling you there’s something in that button for you to explore.
Ultimately this is something the Lending team is best place to tackle, and I want them to take ownership of the logic that goes behind these entry points.
But right now the new navigation is out to <1% of our customers… My team’s focus is on figuring out the basics, make sure we can safely release the new nav, and then give it to everyone. As soon as that happens the Lending team starts working with these new empty spaces.
Regarding your comment:
It was referring to the person that posted immediately after you with this:
I thought @walderston made a funny tongue in cheek comment. There’s been quite a lot of conversation in this thread about lending entry points, so apologies if this seemed out of context 
(I’ve added quotes to the original post for clarity)
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