If the "Get Started" button - the first thing you see on the website without scrolling - does nothing but yield a white page that asks for an email address, you're alienating a lot of interested users.
I left at exactly that point. If you can't show me something other than Marketing info before I enter my email address then its a no-go for me.
You need to give something in order to get something from me. For all I know there is nothing behind the email wall. I'm frankly tired of email marketing and I don't want my email collected and sold off.
Looks like this site tries to give you informed choices. Choices that can only be informed with personal data. I'm not giving up my personal info in exchange for sorting credit card offers. I can find and sort the offers on my own without becoming a source of revenue.
I also left on seeing the email screen - I believe the OP of this thread had it right - I was unsure what was going to happen.
I went back and then started scrolling down and probably figured that it wants my CC purchase data to do this. I did not continue with signup mainly because of trust although the value proposition sounds good.
It doesn't verify the email address -- jeff@amazon.com wants another credit card -- But then the next step is mandatory linking of bank accounts! Yuck...
Also, how is "We never see, store, or use your credit card information at any time" consistent with "We analyze your spending"?
We only ask for your email address so you can sign in later to see your results. I agree it's a bit unintuitive that we don't "verify" your email, but that's because it's ultimately linked to your bank account.
"Credit card information" in this case refers to the fact that we don't have access to your CC number, credit limit, etc. One of the early feedback we got was that people were worried we would have access to their CC number, so we added that bit in to clarify. I agree that the wording could be clearer.
Why not let me fill out a form that says I spend x on food, y on travel, z on gas, and optimize my results for a combo of up to two-three cards, without having an account?
Even as a demo of how it works and the interface. Then if people want to automate that part, they can make an account and feed their bank data over.
You should also look into the features apps like MAXIVU have. I tell it all the credit cards I have, then if I cant remember my rewards, I can check what card I should use at what store.
This is definitely on our roadmap. For the initial version, we wanted to provide the fastest onboarding experience, which meant letting people connect with Plaid.
To clarify, we do get access to your credit card transaction history. We do not get access at all to your bank username/password, credit card number, etc. - that's the part that Plaid handles.
I clicked the link before clicking the HN comments. I clicked Get Started, saw the e-mail prompt, and immediately went "meh" and closed the tab and came to the HN comments to see if anyone had signed up to see if it was worth my time.
You need to give something in order to get something from me. For all I know there is nothing behind the email wall. I'm frankly tired of email marketing and I don't want my email collected and sold off.
Looks like this site tries to give you informed choices. Choices that can only be informed with personal data. I'm not giving up my personal info in exchange for sorting credit card offers. I can find and sort the offers on my own without becoming a source of revenue.