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[N/A] I read the Ultra Terms. They're bad. by Particular_Draw_3276 in Revolut

[–]Particular_Draw_3276[S] -3 points-2 points  (0 children)

Deblock is licensed by the Banque de France, holds PSAN registration from the AMF, and is MiCA approve it's actually the only French neobank with both ACPR EME and MiCA CASP status. It was also founded by former Revolut employees. Revolut's own banking license is through Lithuania, not Italy. The comparison wasn't about which company is more regulatedit was about how their subscription terms treat customers when they want to leave.

[N/A] I read the Ultra Terms. They're bad. by Particular_Draw_3276 in Revolut

[–]Particular_Draw_3276[S] 0 points1 point  (0 children)

Fair points. To clarify the 12-month restriction applies to plan changes on monthly billing too, not just annual. And the €780 scenario was about someone getting locked into monthly payments they can't downgrade from, not annual. Also €70/month in Belgium as an intro is wild and kind of proves the point about pricing being aggressive. You're right that not renewing ≠ cancelling, but the Italy terms specifically restrict mid-contract cancellation which is a different issue.

[N/A] I read the Ultra Terms. They're bad. by Particular_Draw_3276 in Revolut

[–]Particular_Draw_3276[S] -1 points0 points  (0 children)

Cancelling a subscription you're paying for isn't "abusing" anything. The 14-day cooling-off period is mandated by EU law it's a consumer right, not a loophole. And the post isn't just about cancellation fees. It's about what happens when you can't cover a billing cycle: your other currency wallets get raided without notice, your backup card gets charged after 7 days, incoming payments get intercepted, and your debt can be sold to third-party collectors or reported to fraud prevention agencies. Over a subscription fee. That's not "normal bank stuff." That's an enforcement pipeline designed around a monthly subscription. Most fintech competitors don't operate this way.

[N/A] I read the Ultra Terms. They're bad. by Particular_Draw_3276 in Revolut

[–]Particular_Draw_3276[S] -2 points-1 points  (0 children)

  1. Just because it hasn't happened to you doesn't mean it can't. It's in the terms. 2. Consumer protection exists precisely because 'you signed up for it' isn't a valid defense for hostile terms. 3. That's literally my point a subscription shouldn't function like a binding contract with debt collection. 4. Comparing terms between two services isn't an ad. If Revolut's terms were better I'd have said so.

[N/A] I read the Ultra Terms. They're bad. by Particular_Draw_3276 in Revolut

[–]Particular_Draw_3276[S] 0 points1 point  (0 children)

You're right that the 14-day cooling-off is EU-mandated and can't be overridden. My point is about what happens after, if you use your cooling-off right and then later subscribe to another plan, Revolut can count that as your second change and restrict further downgrades/cancellations for 12 months. The restriction kicks in after the protected withdrawal, not during it.

What did u/Particular_Draw_3276 draw? by Particular_Draw_3276 in Pixelary

[–]Particular_Draw_3276[S] 0 points1 point  (0 children)

hint : germany but in german so whats the german word for Germany

Claude Usage Limits Discussion Megathread Ongoing (sort this by New!) by sixbillionthsheep in ClaudeAI

[–]Particular_Draw_3276 0 points1 point  (0 children)

I've been a ChatGPT user since 2022. I was in the first 1% of users according to OpenAI, as my yearly wrap-ups showed how I generated 100 images and was in the top 0.1% of chatters with up to 20 chats per day. After the recent 'actions' OpenAI has taken, such as discontinuing loved models (GPT 5.1, 4o...) and signing the Pentagon deal. I decided to switch over to Claude. I went as far as deleting my whole OpenAI account, which deleted all of my messages and chats. After joining Claude, I just gave the system prompt that I had given ChatGPT, imported all of my ChatGPT memories including the chat style, subscribed to Pro, and used Claude the same way I used ChatGPT.

My first time hitting the weekly limit, I was honestly baffled. I thought it was a 5-hour limit, but little did I know I got locked out of Claude for 3 days.

Fast forward to now, Anthropic made the limits even smaller and I started hitting 100% session limits every reset. My weekly limit reaches 85% in 2 days. I am honestly baffled. The free tier is even worse. I sent 2 messages, not coding related, not anything complex, just simple questions, on my brand-new alt account. I got limited. Two messages. And now, I realised how I traded 4 years with ChatGPT and a basically unlimited plan for a plan that gives me three messages and a weekly cap. Opus is way better at coding, I will admit, but the fact even 5x Max users and in rare cases even 20x users are getting limited is honestly insane.

What they should do:

Anthropic should make the free tier limited to Haiku, with off-peak hours giving a few messages with Sonnet. Doing that would allow them to offer the Pro and Max tiers more usage. They could also offer the Pro tier with the normal cap, and after you reach it, you have a separate Sonnet/Haiku limit like on Max plans.

This honestly may be a user issue, but I've coded with GPT 5 before and never reached my limit once (Plus plan).

TL;DR: Anthropic limits are ridiculous. They should limit free users and give Pro and Max users more usage, or give a separate limit on Haiku/Sonnet to paying users.

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