Comment by k0k0 | Hacker News Reader

Comment by k0k0 | Hacker News Reader

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> but gives no instructions for how to do so. Not even an email address to contact.

Yes it does, under: Can I (customer) cancel or opt out of this agreement to arbitrate?

"If you want to opt out, go to the Legal Agreements and Disclosures section of your chase.com or jpmorganonline.com profile or on Chase Mobile or JP Morgan Mobile."

On the lower left side bar of the desktop/full site in small print is the legal agreements and disclosures link. That page has the link for the Arbitration opt-out

https://imgur.com/a/6QRp4vJ

Oh and let's be clear - Chase is an absolute trash bank. I have no idea why anyone would waste time with their retail deposit or savings products.

However Chase does offer some of the best travel Credit Card products in the US, the only one directly competing with them is Amex and they are not a great worldwide traveling card, Capitol One is close but not quite. Chases' customer service is a mixed bag, but it's on par or better than most of the competition (say, Citi, ugh).

If there's someone taking recommendations, I'm gonna recommend Capital One. When I was new to the US it was the only bank that wanted to give me a credit card (even Citi didn't even though I had an established credit history from Citibank in Poland). As I built my credit score, I got the credit limit increased, the WebApp is very reasonable, I used fraud protection a few times which worked (got my money back and credit card replaced after the CC was used to buy some things I didn't authorize).

And they have a zero-fee foreign currency transactions that still give you cashback.

It's really good (from my perspective). The only downside is they require an US phone number to use the products (on top of SSN)

Zero Liability fraud protection and zero foreign transaction fee are table stakes for any major travel card though.

It is the other travel protection benefits where Chase has an edge with better insurance. Additionally Chase has a lineup of travel reward transfer partners that are more compelling for USians. The redemption rate can be up to 50% higher. It also rewards better for heavy restaurant goers. The Venture X has cell phone insurance, but I've not found it worth it these days given the large differential in Bank account Auto Pay incentives with all the major carriers, and it does not cover prepay.

The Capital One Venture offerings are not terrible, it is a cheaper card.

There's also no reason why you need or should do deposit banking at the same place you use for credit cards. The incentives for doing so have never been compelling.

> I have no idea why anyone would waste time with their retail deposit or savings products.

I regularly get offers from them in the mail, free money if I open an account. I imagine some people are going for it then just stay.

hm so the user have to know about / find this?

how about putting a simple "disagree" button?

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