Ok, workarounds:
This is an example of the customer adapting to fit the bank. The reason I’m in a predicament about sticking with Monzo is because I had it since August 2016. (Also do you really think a monzo card is worth boon’s fees of 99c per month?)
Since having a current account, I’ve had my credit report noted as an account opened for a limited time. It’s ill-advised to have an account for less than two years; placing the customer in a very precarious position; Someone such as myself can either risk having opening-and-closing an account and having a negative factor on my credit score or stay with Monzo without certainty of a make-or-break feature. So you’re right, no one is forcing me to stick with Monzo, because the decision mattered when opening the account.
Just a quick note, I understand that this is a really topical conversation but a lot of the points here have been made before and the discussion appears to be getting rather circular at this point.
If you have something new to contribute please feel free, but I’d ask that we don’t engage in roundabout discussion otherwise we will have to lock this thread which will just be frustrating for everyone
This is an example of the customer adapting to fit the bank
Isn’t that what we’ve done for decades though with all the legacy garbage? So now Monzo sorted out 90% of these issues, and you’re still complaining about the 10% remaining?
I’ve had my credit report noted as an account opened for a limited time
Opening a Monzo account doesn’t magically erase your previous accounts from your report. An account switch is a normal event in life and lender’s models don’t care much about it. There are people on here that test-drive new fintech accounts pretty much every day and I have yet to see any complaints about how this is preventing them from getting credit.
Whoever said ‘it’s ill-advised’ was misguided. There are plenty of people who open and close current accounts yearly to gain the switching bonuses and high interest rates offered. The issue is opening several avenues of credit (e.g. overdraft) in a short period of time - thus increasing your borrowing potential to un-repayable levels.
If you say it’s the credit report company (I’d guess ClearScore) saying this is a negative impact, remember they have a vested interest in how they present your report as they sell protection/loans/report subscriptions etc. The score and positive/negative features is their interpretation alone and companies will use the data in the report to make their own judgement.
Example: I closed my BT account and moved to Virgin. ClearScore dropped my rating by a few points. The actual impact on my ability to get credit was 0.
Don’t know a huge amount about Android (especially Samsung’s bloatware filled version of it) but I was under the impression that preinstalled apps like Samsung Pay were un-uninstallable?
The majority of Samsung Apps can now be deleted and most of any that can’t can be disabled.
Just checked and on my Samsung phone I have one Samsung app that cannot be deleted or disabled. The idea of Samsung bloat is one of those stubborn incorrect assumptions.
Also I’ve checked majority of my apps (not all, but I don’t have many) and have not come across a Google app that cannot be deleted (or disabled in the case of the Play Store)
Just to confirm after checking all… All Google apps can be deleted except Play Store and YouTube. Those two can be disabled though.
I don’t want to disable them but totally wipe them off my phone so not a bit of them is left behind and they never come back it also creates more room for all my banking and Microsoft apps.
I have something new. What are people’s thoughts on Apple Pay cash?
It’s been on my phone since iOS 11 beta but only in dollars and so unable to activate. When do we think this will appear in the UK and who do we think will be backing it? I’m not sure there are any UK digital card providers?
it also creates more room for all my banking and Microsoft apps.