Ok- what I love(d) about Chip: it took a manageable amount of money a few times a month and before I knew it, I had a few hundred pounds saved that I otherwise wouldn’t have saved.
Things that are turning me off Chip these days:
-I feel hounded to do this ChipX thing. I have no interest in stocks and shares and all. I save about £1000 annually with Chip. It’s not worth doubling my monthly payment for that amount, is it? In any case, I keep getting messages from Chip about it, and when I went into the app today, I see that I’m already on it (‘free trial’ that I knew nothing about- maybe I touched the wrong button at some point?)
-Then the confusion- I tried to turn off ChipX and just go back to AI. When I did, it did that passive aggressive thing of saying the mock chatty way something like, ‘Sure thing- so you want to double your fees from (whatever)% to (whatever)%- we can do that for you.’ Or something- you know what I mean. Anyway- I either double my monthly fee to go X, which won’t be worth it for me, or I increase my fees (what fees are these?)??
-So- anyone else feel that things have become more complex? I just want Chip to take a few pounds a month and me not to feel it. If I go ChipLite (is that still an option? Is it completely free?), can I just programme it to take, say, £12 three times a month? Chip tends to take much the same amount every time anyway: am I as well setting up a standing order to a savings account and ditching Chip?