Zilch: Spend with benefits

User Experience Report

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This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.

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All Insights

TOP INSIGHTS

A weekly roundup of Zilch: Spend with benefits's key feedback

Card Linking Issues

A significant number of users face difficulties linking their debit cards to the app, with Zilch's customer service often redirecting blame to banks. Approximately 5% of users report this issue, leading to frustration and unresolved problems.

I can't link any debit card, and Zilch's support keeps blaming my bank without resolving the issue.

Unexpected Fees

Some users are surprised by unexpected fees, particularly when using the app's installment options, which are not clearly communicated. This affects around 3% of users, leading to dissatisfaction and account cancellations.

I was charged a fee for a 6-week installment plan I didn't expect, and now I'm deleting the app.

App Functionality Problems

Several users experience issues with app functionality, such as login problems and app crashes after updates, affecting about 4% of users. These technical glitches hinder their ability to use the app effectively.

After the latest update, the app won't open, and I can't access my account.

Refund Delays

A small percentage of users, around 2%, report long delays in receiving refunds, with customer service being unhelpful and passing them between representatives without resolution.

I've been waiting for a refund for a long time, and customer service keeps passing me around without solving the issue.

COMPETITORS ANALYSIS

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#1 USERS CHOICE

Zilch: Spend with benefits

Zilch receives mixed feedback, with many users praising its ease of use, flexibility, and ability to help manage finances, especially during tough times. However, some users express frustration with technical issues, customer service, and unexpected fees.

#2 RUNNER UP

Klarna

Klarna has a polarizing reputation, with some users appreciating its convenience and ability to finance purchases interest-free. However, many users report issues with customer service, account management, and unexpected charges, leading to dissatisfaction.

#3 Straggler

Afterpay

Afterpay is generally well-received for its straightforward buy now, pay later service, which users find easy to use and helpful for managing expenses. However, some users have concerns about customer service and the potential for overspending.

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Nuggets

Major Highlights of the Week

Card Linking Issues

Users face persistent issues linking debit cards, with Zilch customer service attributing the problem to banks, causing frustration and unresolved access issues.

Despite multiple attempts and assurances from my bank, I cannot link any debit card, and Zilch support is unhelpful.

Unexpected Fees

Customers are surprised by unexpected fees on installment plans, particularly when default settings lead to unintended charges, resulting in dissatisfaction and account cancellations.

I was unaware of a one-time fee on 6-week installments, leading to a refund request and account deletion.

Third-Party Payment Restrictions

Zilch's policy against third-party payments creates challenges for users trying to assist vulnerable relatives, leading to unresolved balances and increased stress.

I cannot make a payment on behalf of a vulnerable relative due to Zilch's third-party payment restrictions.

App Update Issues

Recent app updates have caused functionality problems, including login failures and app crashes, leaving users unable to access their accounts.

After the latest update, the app won't open, and reinstalling hasn't resolved the issue.

Refund Delays

Users experience significant delays in receiving refunds, with customer service providing inconsistent information and failing to resolve issues promptly.

I've been waiting for a refund for weeks, and customer service keeps passing me around without resolving the issue.

Verification Challenges

The introduction of email verification for login has locked out users who no longer have access to their original email, preventing them from managing their accounts.

I can't access my account due to the new email verification requirement, as I no longer have access to my original email.

Nuggets

Major Highlights of the Week

Everything you need to know about user experience

Card Linking Issues

Users face persistent issues linking debit cards, with Zilch customer service attributing the problem to banks, causing frustration and unresolved access issues.

Unexpected Fees

Customers are surprised by unexpected fees on installment plans, particularly when default settings lead to unintended charges, resulting in dissatisfaction and account cancellations.

Third-Party Payment Restrictions

Zilch's policy against third-party payments creates challenges for users trying to assist vulnerable relatives, leading to unresolved balances and increased stress.

App Update Issues

Recent app updates have caused functionality problems, including login failures and app crashes, leaving users unable to access their accounts.

Refund Delays

Users experience significant delays in receiving refunds, with customer service providing inconsistent information and failing to resolve issues promptly.

Verification Challenges

The introduction of email verification for login has locked out users who no longer have access to their original email, preventing them from managing their accounts.

Quotes of the week

Hear from some of the most impactful users to drive changes

Zilch has been a lifesaver, allowing me to spread payments over 3 months with minimal fees. It's helped me manage my finances better, especially during tough times.

User Unhappy Farther

I used to love this app, but the fees have increased significantly. Other services like Clearpay and Klarna offer better options now.

User SteT1987

I can't link any of my debit cards, and customer service keeps blaming my bank. It's frustrating and unhelpful.

User Natalielillyisla22

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The quotes of the week

Hear from some of the most impactful users to drive changes

Zilch has been a lifesaver, allowing me to spread payments over 3 months with minimal fees. It's helped me manage my finances better, especially during tough times.

Candice Wu

App Store

I used to love this app, but the fees have increased significantly. Other services like Clearpay and Klarna offer better options now.

Kelly Williams

Google Play

I can't link any of my debit cards, and customer service keeps blaming my bank. It's frustrating and unhelpful.

Koray Okumus

Google Play

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User Experience Report

Report Date

Zilch: Spend with benefits

Top Insights This Week

Card Linking Issues

Unexpected Fees

App Functionality Problems

Refund Delays

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Start your 14-day free trial

Major Highlights of the Week

Major Highlights of the Week

Hear from some of the most impactful users to drive changes

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The quotes of the week

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Search through all your feedback, instantly

Use AI to automate and prioritize your feedback analysis

Send surveys and analyze them with AI

Segment feedback from your company in charts and summaries

Benchmark your company's feedback against your competitors

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