Creation cancelling credit cards which have been used with a Curve Card

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• Chris says:

  9 Oct9 October 20:06

  I still haven’t received any letter about cancellation despite having used my IHG Black with Curve for Google Pay and Garmin Pay. I’ve never used it for any cash withdrawals or MS. A friend is in the exact same situation, no letter.

• Dougie Forde says:

  11 Oct11 October 08:25

  I have still to receive a letter but I had an email from Creation on Friday offering a Balance Transfer for a year. Why would they do that if the cards are going? Seems strange.

• Johnny5a says:

  11 Oct11 October 14:11

  I just phoned up because my online account I was locked out, I also asked the monotoned person, would I get my free night voucher – she said they’re not honouring the voucher.

  • Andy says:

    11 Oct11 October 16:21

    I’m really curious about them not honouring the voucher. I understand that they don’t have to explain why they’re closing my account, but surely they have to explain why they aren’t honouring the incentive that they used to sell the product?

    • Cloud says:

      11 Oct11 October 21:39

      Surely that’s a breach of Contract from Creation?

• Martin Robertson says:

  12 Oct12 October 11:45

  I can see a few comments from people in the same position as me – used with curve but not received a letter.
  I called them and my card is not being cancelled. I’d suggest the headline is incorrect as not all cards are being cancelled.

  As background I only used this card through curve for the entire time I’ve had it, but only for spending where AMEX wasn’t accepted. When they sent the texts the other week I had to call and request a pin number!

  • lostantipod says:

    12 Oct12 October 18:06

    Martin, this is exactly how I used the card, yet mine is being cancelled.
    I have an emerging theory on this. Because of covid, I had to cancel a trip to Australia and around £2400 was refunded to my curve card. Curve couldnt match the refund to the original transaction, so i suddenly had a healthy curve points balance. When i contacted them, I’m pretty sure they paid the money straight to my bank account. Which, through no fault of mine, would not cause a reduction to the points and spending progress on my IHG credit card account. Have IHG felt burned here somehow and targeted curve users where this has happened ?

    • QFFlyer says:

      13 Oct13 October 14:04

      No, Creation (nothing to do with IHG) haven’t lost out on anything here – they’ve still had their interchange fee from Curve. It’s actually Curve who’ve lost out in that scenario.

      • QFFlyer says:

        13 Oct13 October 14:06

        By “Creation haven’t lost out”, I mean they’ve not lost out any more than they would anyway, given that they almost definitely lose money on every transaction (on the black card) given the interchange cap of 0.3% vs cost of purchasing 2 points per £1 from IHG.

        • Charlie says:

          16 Oct16 October 10:24

          The reality I think is that these companies have a hard time building accurate lists of customers, especially when filtering for specific transaction types, so I’m not surprised to see outliers, but that’s what they are.

• Steve says:

  16 Oct16 October 10:29

  Is anyone else unable to access “transactions” on their IHG Creation cards online? I’m getting the “revolving wheel” but everything else ( such as payments etc ) is working OK. My other non-IHG Creation cards are OK.

  • Tim W. says:

    20 Oct20 October 15:33

    I’ve just logged into my account successfully. All looks good.

• Tim W. says:

  20 Oct20 October 15:36

  I have had written confirmation (email) that they will not be refunding any part of the annual fee. They didn’t mention the free night voucher, as I didn’t ask. In any case, I have raised a formal complaint about this. It certainly is not treating customers fairly!

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