More British Airways routes getting the new Club Suite business class

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• Gavin says:

  14 Dec14 December 07:34

  I have not yet received any notification from Virgin Money about these changes. Not the news I want to hear when I’m in the middle of a credit limit re-cycle. They can’t enforce it with immediate effect can they?

  • Shoestring says:

    14 Dec14 December 07:37

    they probably could (general rule ie breaking your monthly credit limit by refunding account mid month) but they won’t, you get 30 days’ notice ISTR

• Shoestring says:

  14 Dec14 December 07:35

  Petrol & diesel down 2p/ litre overnight, making it the cheapest it’s been for ages.

  Litre of diesel 110p/ litre for me at Morrisons*

  *with my 10% Amex discount 😄

  • The Original Nick says:

    14 Dec14 December 07:46

    Harry, I did notice this has happened yesterday at my local Tesco.

    • Shoestring says:

      14 Dec14 December 08:01

      might even be another 2p to go next week as the latest (3%) rise in the £ wasn’t built in (though I suppose might have been anticipated)

      • Polly says:

        14 Dec14 December 08:40

        Plus using a 10p off litre, another new spend £60 off TIL dec 22nd. Not bad for our petrol and diesel using the paper vouchers to pay.
        Saw the new Morrison’s gift cards this week in store. End of paper v.

  • Alan says:

    14 Dec14 December 09:35

    Haha I’m currently sitting at 3,500 miles for £0 on my Tesla 😛

    • The Original Nick says:

      14 Dec14 December 10:19

      Electricity for £0? Bypassing your meter?

      • memesweeper says:

        14 Dec14 December 12:26

        Some Tesla’s have free for life supercharging.

      • Alan says:

        14 Dec14 December 14:20

        Haha no, just free public charging in some parts of Scotland for now plus 7k free Supercharger miles from Tesla.

        • Alan says:

          14 Dec14 December 18:19

          Base Model 3 is about £38k, although I went for the more expensive Long Range AWD model (about 300 miles in the summer). There’s a Scottish Energy Savings Trust 0% 6y loan available for £35k. I’m in a flat so no home charger but if you have a driveway then you get £500 UK Gov’t (OLEV) and £300 EST grants to pay for charger installation.

• Wollhouse says:

  14 Dec14 December 07:46

  OT- ok, I give up! Where the hell can I actually use my Curve card?? I wanted to try and build my limit up so I could push through HMRC before the rules changed but….so far, it’s been declined EVERY attempt I’ve made to use it: the shop I buy my coal from, an online clothing shop, the Edinburgh zoo and my local beauty salon. To be fair, when I contacted Curve to see if I’d failed to correctly activate my card or something, they responded quickly. But as it was to advise that the transactions were declined as each merchant was “deemed to be a high risk for potential fraud and as such they weren’t on their approved list of merchants but that new merchants were being added all the time”, it doesn’t really help. Not sure it’s worth the hassle:(

  • MattB says:

    14 Dec14 December 07:50

    Whether I had trouble with curve it was always the underlying card that had flagged a security risk.

  • TGLoyalty says:

    14 Dec14 December 08:26

    I honestly can’t remember the last time it was declined online or instore.

  • Anna says:

    14 Dec14 December 08:35

    I would also suggest taking it up with the underlying card company; I can’t see why it would be declined at the zoo!

    A good use of Curve is to top up your utilities (if you want to build your Curve profile, utilities companies generally accept MC and visa). Reduce your direct debit to a minimal amount and pay a couple of hundred pounds per month on Curve till you have a healthy balance.

    • ankomonkey says:

      14 Dec14 December 16:49

      Lot’s of monkey-business going on at zoos…

  • Wollhouse says:

    14 Dec14 December 08:58

    Thanks all- I’ll try the utilities route. Underlying cardholder advises no issues and curve themselves confirmed they’d done the declines. And yes, I agree…Edinburgh Zoo- obviously every fraudsters top pick;)

    • the_real_a says:

      14 Dec14 December 14:22

      You say that Cure said THEY declined the transaction. Surely then Curve told you WHY they declined the card so you could take remedial action?

      Have you verified the underlying card when adding it out of interest? Have you submitted KYC documents? Curve has a bug that it does not handle expired cards in the app – is the underlying card “in date” ?

  • Alan says:

    14 Dec14 December 09:36

    Have you tried adding a different underlying card? The majority of the time I find the block has come from them.

  • Ralph says:

    14 Dec14 December 09:41

    One of the easiest mistakes with Curve that causes declines is to have the wrong card selected on the app – usually the Rewards card as it won’t have enough credit to pay much. Probably isn’t the issue for you, but worth checking.

    Otherwise, I use Curve a lot without any problem abroad and at places that only take debit cards (or those like BT who deserve the higher fees like BT) plus of course HMRC.

• Roger says:

  14 Dec14 December 07:53

  Rob,

  What is the effective date of this change?
  Does it take effect from next statement date / earlier or later?

• B says:

  14 Dec14 December 07:57

  Is this change for both cards or just the reward+? I received notification for my wife’s reward+ but not my reward card.

• Henry says:

  14 Dec14 December 08:04

  Just found my email from them confirming the changes.
  They are making it as hard as possible to accumulate any decent amount of points.
  Anyone with a small credit limit might as well throw away the card to be honest.

  • Shoestring says:

    14 Dec14 December 08:05

    have you tried asking for an increase?

  • Peter K says:

    14 Dec14 December 08:40

    I agree that a £160 a year fee card with a rubbish 2-4-1 incentive and abysmal credit limit is not a winner for most people with no credit limit recycling.

    As the £160 is a sunk cost Mrs K will keep hers for now but it’s going before the renewal fee hits!

    • BJ says:

      14 Dec14 December 08:46

      I have a very generous credit limit which might or might not have something to do with having ample funds parked in one of their cash ISA.

    • Jonathan says:

      14 Dec14 December 08:54

      I got >20k & wife (who has limited credit history) 14k with no prior relationship with Virgin! When people say rubbish credit limit what sums are we talking about? I have never been a churner & kept previous cards for a few years so maybe that is what they look for to predict profitability.

      • Peter K says:

        14 Dec14 December 09:09

        £1k !!

        • The Savage Squirrel says:

          14 Dec14 December 10:56

          LOL. A Virgin Atlantic credit card with a limit so low you can’t buy a Virgin Atlantic ticket on it (other than economy). That’s some quality lack-of-joined-up-products right there. Muppets.

    • Go says:

      14 Dec14 December 09:28

      Virgin gave me the lowest credit limit I have had on any card in my life. Initially £1000 and then doubled to £2000 and they have refused an increase after over two years of membership. I regularly put through £5000+ per month. The card will be getting cancelled . Complete waste of money at £169

      • AndyGWP says:

        14 Dec14 December 11:24

        Annoyingly, I had the “plus” variant of the card and they gave me a £10k limit
        I downgraded to the fee free version and I’ve been given a £4k limit

        I need to get on the phone and see if they’ll up it

    • Peter K says:

      14 Dec14 December 19:02

      Thanks for the advice.

• TedL says:

  14 Dec14 December 08:21

  O/T, I recently took advantage of an FX offer on a site that can’t be named. The proceeds are now available but the only payment method seems to be bacs and not the Avios with 25% bonus. Is there a trick to getting the Avios payout?

  • Shoestring says:

    14 Dec14 December 08:29

    no, you’ve no choice

    btw, Worldremit £55 for a £200 bank to bank FX transfer is back on a different site & no payout in Avios over there either

    easy to multiple-dip on this offer

    • Jonathan says:

      14 Dec14 December 08:50

      Surely the whole point of BACS only is to stop double dipping or am I missing something (beyond opening multiple bank accounts)?

      • Shoestring says:

        14 Dec14 December 09:10

        the double-dipping is your wife/ 18YO/ mum/ bro etc availing themself of the same offer and generously letting you keep the payout

        WR would not allow same email address/ ID etc but new user transferring funds from (same) UK bank/ card to (same) foreign bank a/c is fine

  • paulm says:

    14 Dec14 December 08:29

    Not all merchants allow all payout options. Sounds like the one used will only allow bacs

  • Peter K says:

    14 Dec14 December 08:32

    No. You need to check the small print before your purchase as some will say basically BACS only.

• Erico1875 says:

  14 Dec14 December 08:52

  Fab. We are booked outbound to Bangalore over the Easter holidays.

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