A new £20 Eurowings American Express cashback deal has launched

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• Lee says:

  11 Jan11 January 03:34

  Hi i would like to use Curve to take some money out at uk atm .

  Can anyone tell me if currently ihg creation are charging it as a normal transaction or if there treating it as a cash advance.

  Any info much appreciated

  • Crafty says:

    11 Jan11 January 04:58

    It’s fine. No charge.

  • reddot says:

    11 Jan11 January 07:10

    My IHG was treated as cash advance and charged with interest.

    • s says:

      11 Jan11 January 07:31

      is the fee charged immediately, or at end of the month? My IHG withdrawals look fine, and don’t appear any differently to the other till transactions

    • Waddle says:

      11 Jan11 January 09:23

      I had a friend whose Curve charged some type of fee or interest on a transaction which I performed and came through as a purchase with no fee. Turns out Curve sent him a commercial card. On the back of your Curve id there the word COMMERCIAL above the MasterCard holographic? If so then that might be why.

  • Rob says:

    11 Jan11 January 07:37

    Only Tesco seems to be charging but the situation is fluid.

    • Alex says:

      11 Jan11 January 08:02

      Natwest as well, as reported by me previously.

      • AlexT says:

        11 Jan11 January 09:49

        Assume that means all RBS cards would see the same treatment,,,

  • Zana711 says:

    11 Jan11 January 10:32

    Curve didn’t use to charge if one went over their £200 withdrawal limit per month, if those withdrawals were from UK ATMs. Anyone has experience recently on whether this limit is being strictly imposed and being charged? Many thanks.

• Voltron says:

  11 Jan11 January 04:30

  OT – Just as a reference point that might help others, I found out why I got rejected for my SPG card, i initially thought there might have been a new limit as I had plat charge / gold CC / BA, but it was a school boy error of having too much credit limit.

  The best way I now use is that once I get a card for churning I immediately review the credit limit as for me personally, I always try to keep my overall credit limit to 100% of my salary, you can most likely get away with more as there is no hard and fast rule and everyone is different, but for me all of my churning cards limits are kept just above the bonus offer. Once I hit the sign up bonus I reduce down to nominal amount I.e. 1k of I intend to keep the card, or just cancel.
  I also realised that it takes time for the credit limit decrease / cancel to hit credit report so best advice is to just monitor your overall credit limit and credit utilization.

  • Chris says:

    11 Jan11 January 07:41

    I’m no expert. However, if I were a prospective lender seeing your credit limits being cut to a nominal sum, my presumption would be that it was the card lenders not you making those choice and treat that as an adverse indicator.

    • John says:

      11 Jan11 January 08:23

      Agree. My total credit limit is 2.5 times my declared income on credit card applications, but I don’t churn aggressively and have been approved for every card I wanted.

  • GRIMZ says:

    11 Jan11 January 08:42

    I had the same problem when I had 13.5k on a blue BA card that I never used and also 11.5k on my Virgin mastercard. I got refused for two cards recently and I presume this was my issue.
    I am going to cancel my cards and wait 6 months and take better care of my credit limits next time!
    I have to admit I was churning too aggressively!

    • Alex says:

      11 Jan11 January 11:04

      you can instantly reduce your limit in your amex online account, if you wish to.

      • Russ says:

        11 Jan11 January 14:21

        Agree. We do this all the time. It’s for security really just in case the card gets pinched. Never bothered us getting further credit cards or raising the limits later.

• Cat says:

  11 Jan11 January 06:23

  A saving of £15 on a £10 order? Bargain!

  • filipino_chino says:

    11 Jan11 January 07:06

    lol well spotted, i missed this! i am sure Rob will see you comment and correct it

  • Rob says:

    11 Jan11 January 07:35

    Fixed!

• krys_k says:

  11 Jan11 January 07:09

  I do like the £15 saving on £10 spend

• Lukethetraveller says:

  11 Jan11 January 07:14

  Eurowings offer valid for UK departures only, so pretty much useless.

  • Peter K says:

    11 Jan11 January 07:27

    Unless you are flying from the UK…

    • Nick says:

      11 Jan11 January 17:14

      +1

      Useless??! Oh dear!

  • Alan says:

    11 Jan11 January 21:40

    Why? Flew with them to Cologne a couple of years ago.

• Joan says:

  11 Jan11 January 07:29

  I have bought a few items in store with Charles T and despite giving my exec club number , no avios have ever materialised . The first couple of times I rang CT and BA but they still didn’t turn up. Can’t be bothered any more ☹️

  • Dev says:

    11 Jan11 January 16:44

    +1

    It is a farce, the store managers of Jermyn Street and Canary Wharf gave me repeated assurances that the Avios would post but they never did.

    Having said that, I placed an online order leading up to Christmas 2018 and those Avios posted within a day of the items being delivered.

• s says:

  11 Jan11 January 07:32

  That ‘worthless’ site InsiderFlyer UK is reporting that Accor to IB transfers have been devalued to same level as BA

• MDA says:

  11 Jan11 January 07:46

  OT – My dentist receptionist wanted to charge 3% for using amex. What is the law around this for amex?
  I know for Visa and MasterCard its now not allowed

  • LewisB says:

    11 Jan11 January 07:48

    It’s illegal.

    • MDA says:

      11 Jan11 January 08:04

      Does anyone know where I can submit a claim in?
      They first tried to reject american express payments with a disclaimer but had a small shop logo on the front door , sneaky! When challenged they demanded a fee

      Btw this is in central london!

      • Genghis says:

        11 Jan11 January 08:08

        Complain to the company themselves referencing notices about the change.
        If nothing, trading standards.

    • MarkH says:

      11 Jan11 January 08:34

      yep it’s illegal but seems lots of companies still doing it. My accountant is charging no fee for debit card and a 1.8% for a credit card.

      Not too fussed as will use curve instead but will definitely point this out to them.

      • RussellH says:

        11 Jan11 January 11:22

        Perhaps your accountant assumes that all clients will be paying with a business card, which is perfectly legitimate

  • Mikeact says:

    11 Jan11 January 08:31

    Straight Amex or co-branded Lloyds/Amex ? Or should it make no difference ?

  • Navara says:

    11 Jan11 January 08:49

    Be prepared for some pain on your next visit though if you complain.

    • ankomonkey says:

      11 Jan11 January 10:47

      My thought exactly!

    • Lady London says:

      11 Jan11 January 12:18

      🙂

  • Anna says:

    11 Jan11 January 09:10

    I imagine that if someone makes an issue of this, they will just refuse to accept Amex any more.

    • Lumma says:

      11 Jan11 January 09:29

      Those shop small stickers are really hard to remove. A new window is probably easier

    • G Flyer says:

      11 Jan11 January 13:55

      My Dentist’s card terminal has a homemade “NO AMEX” sticker on it. I wasn’t paying attention one day and used my AMEX on autopilot, and discovered it worked just fine. I’ve ignored the sticker ever since, assuming it’s just a ploy to avoid higher interchange fees.

      • Alex W says:

        11 Jan11 January 18:01

        Exactly. Pay first, apologise later!

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