Earlier quoted context omitted.
You should be unforgiving. I have no idea what the root cause behind this is but testing roll-over is obviously part & parcel of the level of reliability required in the financial world. Allowed: scheduled downtime announced ahead of time for reporting, unscheduled downtime with localized effect due to 'acts of god'. Not allowed: customers can't access their funds when they should be able to. When you disrupt the ban…
I highly doubt Simple's invite-only early-adopters are dependent on their Simple card as their only way to buy beer and/or (your downthread example) gas for the drive home. (And I hope they're not using their card for both on the same night.) #firstWorldProblems
Simple ATM cards being declined
41–50 of 63 posts
Re: Simple ATM cards being declined
#42Earlier quoted context omitted.
You should be unforgiving. I have no idea what the root cause behind this is but testing roll-over is obviously part & parcel of the level of reliability required in the financial world. Allowed: scheduled downtime announced ahead of time for reporting, unscheduled downtime with localized effect due to 'acts of god'. Not allowed: customers can't access their funds when they should be able to. When you disrupt the ban…
I highly doubt Simple's invite-only early-adopters are dependent on their Simple card as their only way to buy beer and/or (your downthread example) gas for the drive home. (And I hope they're not using their card for both on the same night.) #firstWorldProblems
You really should have a look at how Simple bills itself. They bill themselves expressly as a replacement for your bank. The whole idea is that you absolutely rely on simple to do their thing or you might as well not use them.
If Simple is used the way they intend you to use them those scenarios are playing out right now. You really can't shift the blame for that onto those that believed the Simple proposition and acted as though simple was going to deliver.
Ordinary everyday people do not do single-point-of-failure analysis on their wallet, they simply expect it to work.
Re: Simple ATM cards being declined
#43Re: Simple ATM cards being declined
#44Ordinarily I might consider this worth a loss in reputation, but given the uniquely one-sided battle that is trying to cause any disruption in the banking industry, I'd be willing to cut these guys some slack. In this area the enemy has big guns
I'm genuinely curious - what is Simple doing that is disrupting the banking industry (excluding, of course, the current literal disruption of banking for their customers)?
My current setup is a cash-back credit card, with the bills for it paid from a high-yield savings account. I net close to 2% cash back on the card, and around .8% APR on the savings account, and pay exactly $0 in fees. Based on the language on Simple's site, I'm guessing the APR on their savings is closer to .25% or so, and they definitely don't offer cash back on the use of their card.
Sure, the tools they offer are nice, but my credit card provider also has pretty nice spending analysis tools (that don't require an iOS device), and lots of other providers are adding or improving spending tools as well.
What am I missing?
Re: Simple ATM cards being declined
#45I have six invites for any adventurous HNers interested in living life on the edge.
sure why not.. if you haven't already ran out :)
Re: Simple ATM cards being declined
#46Ordinarily I might consider this worth a loss in reputation, but given the uniquely one-sided battle that is trying to cause any disruption in the banking industry, I'd be willing to cut these guys some slack. In this area the enemy has big guns
I'm genuinely curious - what is Simple doing that is disrupting the banking industry (excluding, of course, the current literal disruption of banking for their customers)? My current setup is a cash-back credit card, with the bills for it paid from a high-yield savings account. I net close to 2% cash back on the card, and around .8% APR on the savings account, and pay exactly $0 in fees. Based on the language on Simp…
IIRC the original innovations of Simple were (1) usable UI (including mobile) and (2) a single account that's debit and credit. #1 has been mostly caught up by traditional banks and #2 mostly benefits financially irresponsible people (of which there are many, but perhaps not many around here).
Re: Simple ATM cards being declined
#47Simple has earned such goodwill with me for their amazing customer service, zero fees (even for overdrafts), and overall customer experience that I'm happy to give them a pass on this.
The fact that they're being proactive about their status updates, and transparently honest, helps a lot, too.
A relationship with a bank is a lot like a relationship with a doctor: bedside manner is sometimes the most important element to patient (customer) satisfaction - sometimes even surpassing outcomes, as long as it's not too serious.
Re: Simple ATM cards being declined
#48Re: Simple ATM cards being declined
#49Earlier quoted context omitted.
I highly doubt Simple's invite-only early-adopters are dependent on their Simple card as their only way to buy beer and/or (your downthread example) gas for the drive home. (And I hope they're not using their card for both on the same night.) #firstWorldProblems
Guess what? https://twitter.com/Skroob/status/285932353765908480 https://twitter.com/mrlanphear/status/285916924599205889
This just in: people tweeting also sometimes embellish their situations for dramatic effect!
For example, in surrounding tweets @Skroob jokes about paying with Bitcoin, mentions his dining party has other options, and then despite some disappointment concludes with sympathy for @Simplify. He further says that Simple's "company policy of ignoring the s* out of HN, especially during outages" is something that "just makes me love you guys more".
So: while non-customer HNers with crazy-high standards whinge, real customers can laugh about the situation (and even laugh about HN's negativity-bias).
Re: Simple ATM cards being declined
#50Earlier quoted context omitted.
I'm genuinely curious - what is Simple doing that is disrupting the banking industry (excluding, of course, the current literal disruption of banking for their customers)? My current setup is a cash-back credit card, with the bills for it paid from a high-yield savings account. I net close to 2% cash back on the card, and around .8% APR on the savings account, and pay exactly $0 in fees. Based on the language on Simp…
IIRC the original innovations of Simple were (1) usable UI (including mobile) and (2) a single account that's debit and credit. #1 has been mostly caught up by traditional banks and #2 mostly benefits financially irresponsible people (of which there are many, but perhaps not many around here).
I may be misunderstanding you re: #2, but it their Simple card appears to just be a debit card with no overdraft protection.