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

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• エド says:

  1 Oct1 October 18:42

  Got the letter too – although not used with Curve for at least 2 years. It’s been so long since I used Curve that I had to re-download the app, and I won’t be using it in future either as they say the next update won’t work on an iPhone 6.

  On the positive side it saves me £99/year and helps focus my hotel loyalty with Marriott.

• Gaetano Ferrante says:

  1 Oct1 October 18:53

  Is there anything stopping me from re applying for IHG credit cards at a later date?

  • Britbronco says:

    1 Oct1 October 18:55

    I suspect they will take all cards down for new applications. Looks like they are exiting the market imo

  • TGLoyalty says:

    1 Oct1 October 18:55

    Nope as long as someone still offers 1

• Paul says:

  1 Oct1 October 19:02

  I’m ok with the end of this card, I’m even ok to an extent as to the lack of a pro-rata refund if they are going down that path, but with an anniversary date in February I want my Free Night (having spent £10k+) before they close this!

• Richard G says:

  1 Oct1 October 19:40

  Wife had literally just got hers, only had a single statement and only used the card twice…

  …letter arrived earlier today. Comical.

  • SteveJ says:

    1 Oct1 October 20:08

    Even more proof, if it were needed, that they ‘this is if you’ve transacted with Curve’ is a distraction. Creation are done in the UK and they’re pulling the plug. Nothing to do with Curve IMHO.

  • CarpalTravel says:

    1 Oct1 October 20:38

    Did her card touch Curve at all, and/or were the two transactions absolutely standard fare?

• Dave says:

  1 Oct1 October 19:42

  Oh well. This credit card company are so behind the times in terms of Apple Pay, mobile apps etc they won’t be bothered.

• Fazzy Bear says:

  1 Oct1 October 19:52

  re IHG card – What was the mass appeal for HfP readers? One free night at a hotel for £10k spend?

  Can understand the part about Curve helping get to that goal.

  • BP says:

    1 Oct1 October 19:54

    Free night was good value. The real value was in manufactured spend where using methods like curve and NS&I it was easy to rack up huge amounts of points with no real spend.

    • BP says:

      1 Oct1 October 19:55

      Also you could pay off this card with another credit card which was unusual and enabled “double dipping” of points.

      • Char Char says:

        2 Oct2 October 01:48

        yes but seems many missed this point

  • Harrier25 says:

    1 Oct1 October 19:56

    Card will be missed for its easy points earning opportunities. The IHG hotel brands won’t!

  • John says:

    1 Oct1 October 19:56

    If you were cash recycling then you were literally getting a free night plus 20000 points for spending a few minutes every month/week/day.

    After cycling £75000 (£55k this year) minus any points earned from actual stays, you get Spire status and 25000 extra points.

    • Joints&Piles says:

      1 Oct1 October 20:32

      That reminds me – I reached Spire but haven’t had the 25k points, though I did get 25k seemingly as part of the status extension they did. Anyone else get 2 lots of 25k?

      • Mark says:

        1 Oct1 October 22:21

        I’d be interested in the answer to that too. Not quite there on requalifying which is going to be a little harder now… the main attraction in doing so is the 25K points gift.

  • Roy says:

    1 Oct1 October 20:37

    My take (from the non-MS corner of the room):

    Hotel points can be attractive to people who (think) they’ll never earn enough airline miles to get a reward flight to the destination they want in the class they want (or maybe just don’t fly much at all). Plus, not being an Amex, you can put all of your spend on it. The free night voucher and the status were the icing on the cake.

    • Mark says:

      1 Oct1 October 22:15

      And at 2 points per pound it’s one of the better returns out there for a non-Amex card, albeit some way short of the fee paid Virgin Mastercard. And that’s the real issue for Creation… a product which, with any significant level of use, is always going to lose them money unless you’re paying interest or fees. Clearly the writing was on the wall when they closed it to new applicants last year. What’s not obvious is why they haven’t withdrawn it completely. Maybe something in their contract with IHG prevents them from doing so?

    • Kate Last says:

      2 Oct2 October 17:10

      Hotel points are also a good diversification for those who have too much air miles.

• Jimbob says:

  1 Oct1 October 20:29

  Automatic increase in credit limit in September, then closed the account in October :p

  Just glad I made the most of the card, and now sitting on 7 digit number of IHG points. Should be good for two nights at the local Holiday Inn, once the points devaluation kicks in. No regrets

• Simon says:

  1 Oct1 October 20:29

  I just wish I was on the zoom call with Bendy, the boys from Solihull, Ernie and Beardy having a ding dong about who’s in the hole for all these points they having to payout for no return. Waiting in the lobby is Che!

  • Jimbob says:

    1 Oct1 October 20:36

    Indeed, there must be easier solutions than closing down acounts, unless Creation are getting out of the market completely

  • Kate Last says:

    2 Oct2 October 17:12

    What are you talking about? Can you please also provide translation to plain English? 😂

  • rob(staaaar) says:

    3 Oct3 October 00:19

    Wait, what?

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