That would be a massive fail. If they actually want to go toe-to-toe with those big foreign fintech players, they’d need to offer some kind of sign-on bonus or free credit...
If you check out the link cosmichawk67 posted, you'll find the general terms of service for PayPal. That was pretty much the whole point of sharing that link in the first place. 😉
Look, JPMorgan Chase and Visa haven't gone belly up—they keep their books totally separate and everything—but the UK regulators decided to pull the plug on those Visa licenses anyway, just as a precaution...
Visa has been suspended—specifically their card solutions arm, which handles card issuance and e-money licensing for a bunch of fintech players. To be clear, they haven't shut down entirely; the company is still running, but their licenses have been pulled and their funds frozen as a preemptive strike. It's all about protecting user money, especially since e-money institutions don't get that standard $250,000 FDIC guarantee you'd find with a regular bank.
Regarding the Chase card, Chase handles the consumer loans, while Chase Card just acts as the middleman. But when it comes to revolving credit or installment plans, that’s handled directly by Chase Card itself.
So, you're telling me not a single audio CD works on any of your different players? Come on, that's impossible. Are you absolutely sure these are actually standard audio CDs?
That doesn't mean you're actually getting a formal report. It just means they have to tell you whether they're processing your personal info and let you see what data they've got on file. Under GDPR, any company has to give you that access... so you could pretty much get the same thing from any other firm out there.
According to archives from their site, the whole thing ran about $33. The link to the PDF explaining the report's contents didn't make it into the archives, unfortunately.
Back in the day with the old FBI, you could actually request your own records if you wanted—just for your eyes only, obviously, not for anyone else. Of course, you had to cough up the processing fee first.