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

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Creation Financial Services, issuers of the IHG Rewards and (closed to new customers) Marriott Visa credit cards, made a very aggressive move on Friday in its dispute with Curve Card.

It appears that the majority of credit cards which had been used with a Curve Card are being closed.

One call centre agent said that 1,800 cardholders were impacted. We cannot confirm this number.

Creation closing IHG and Marriott credit cards used by Curve Card holders

The closure letter states that cards are being closed on 3rd December.

Based on reader discussions with the call centre, but not confirmed in writing by Creation:

  • annual free night vouchers on the IHG Rewards Premium credit card will still be desposited if the cardholder spends £10,000 before their card is closed
  • there will NOT be a pro-rata refund of the £99 annual fee on the IHG Rewards Premium credit card – although you would be free to dispute this with the Ombudsman

If you cannot trigger your free night voucher by 3rd December but would otherwise, you arguably have a case for a full refund of your IHG Rewards Premium £99 fee for the current year.

Why is Creation banning Curve Card holders?

It isn’t entirely clear what is driving this, although I was told by an independent industry consultant that it was being pushed by National Savings.

Curve Card, for those who don’t have one, is a debit card which allows you to recharge transactions to a linked credit card. You can learn more about Curve Card in this article.

This meant – most specifically – you could deposit money into National Savings and have it charged to a miles or points earning credit card as a purchase. Most Curve Card holders had a £9,000 daily limit albeit capped at £1.8 million per year.

Whilst Curve Card had always had blocks in place for payments to banks, there were certain grey areas such as National Savings, HMRC and various investment firms such as Hargreaves Lansdown.

Creation had initially sent out text message to cardholders a few weeks ago saying that its cards could no longer be used with Curve Card. I was told at that time that mass account closures would follow, and here we are.

One problem is that the ban is catching many people who used Curve Card purely for Apple Pay functionality. It was the only way to add your Creation card to Apple Pay.

For clarity …. the free IHG Rewards credit card is still open to new applicants. Creation is not pulling out of the UK and is only closing these 1,800 (TBC) accounts.

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Comments (867)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Niel Thakrar says:

    I think if they are closing the white one as well no one will be able to apply for the card. I think the maintance BS is just until they remove the card. Creation are only offering the IHG card. I get the feeling they are pulling out of the UK market. Hopefully IHG partner with Barclaycard (again) or maybe chase UK.

    • Richard HURLEY says:

      I think you are right. Far too convenient for maintenance being done at this stage. As you say we can only hope IHG will partner with another provider.

  • Richard HURLEY says:

    I think you are right. Far too convenient for maintenance being done at this stage. As you say we can only hope IHG will partner with another provider.

  • BillersJ says:

    So I received my cancellation letter yesterday. Can I ask, has anyone got a creation card that hasn’t been cancelled?

    • Paul says:

      I have 4 creation cards and they’ve cancelled 3 of them which I find odd, so I can for now still use my Marriott one

    • RobH says:

      Got 3 IHG in the household, none cancelled as yet. Letters of death probably on my doormat at home as we speak.

  • John says:

    I just called Creation and after a lengthy period on hold i managed to speak to someone.
    They could not confirm when/how or even if any annual fees will be refunded. The advice was the same for any annual free night vouchers that have been or might be reached. The line was “we have not been advised from the team handling this as to how / whether this will happen.” They promised to call me back in 3-5 days…. I won’t be holding my breath

    • Mark says:

      I called them this morning and was told I would not receive a pro rata refund on my annual fee, nor would I receive my free night voucher which I have already earned. So I logged a formal complaint. They also told me it was a business decision to close the IHG black card, and that they were closing all black cards (I know Rob says this is untrue)!

      • john says:

        seems like they are telling me nothing so that I cannot make a complaint…. Will be a lot harder for me to do anything when the card is cancelled and I am no longer a customer

  • John says:

    What is MS, pray tell?

  • Paul says:

    I contacted IHG to see if they were aware of what Creation were doing and if the Relationship had ended and they replied with:

    “I’m sorry if you were notified about closing your credit card account with Creation. I’ve got an update from our contacts and was advised that the partnership between IHG® and Creation is still active”

    So god only knows what’s going on.

    • Rob says:

      I’ve seen the letter given to the call centre staff. It doesn’t tell the staff why it has been done, just that it has (and how to see in their IT system that it is happening).

      • David says:

        Creation call centre staff, or IHG?

        • David says:

          Assume the latter. Said a couple of days ago this could also result in action from IHG with regard to Reward Club points/accounts and was scoffed at.
          If IHG feel the need to brief call centre staff on this, quite likely considering other options themselves, or am I overly thinking this?

  • Boog says:

    I got the letters for my ihg black and Marriott card. I did use curve to buy some premium bonds over 6 months ago (which I still have). I closed my curve acocunt back in March as was fed up with increasing charges for using abroad etc. When I called Creation, I was told the usual “it is a business decision, we can cancel as per our T&C” and that it was nothing to do with me and “an accross the board decision”. I asked if I could downgrade to the white card and was told “there is no guarantee you would be accepted”. My partner has an IHG white card never linked to curve and has not received the letter.

  • Ian_H says:

    Is it just me or is the abject silence of Curve on this situation the most worrying aspect of all? I have only ever used Curve for legitimate reasons (Google Pay) , no Faux ATM cash withdrawals, No MS, and Curve has always been marketed as an FCA regulated product (so one would assume therefore legitimate and above board) so to be faced with a wall of silence and a closed IHG card which I valued and used regularly is especially galling.

    • David says:

      Although related, it’s really not Curves decision so not sure what you are expecting from them. From reading here, the limited comments that have made here when people have approached them have been in the vain of their response to Amex dropping them – were sorry, were talking and it’s going to be resolved (it’s not).
      Whether you did it or not, the things that underpin what listed above are how Curve promoted and marketed themsleves. I find their silence ironic in this sense, but not worrying.
      Given the closure of my black IHG which, as you, I valued, I’ve decided they are potentially toxic to any form of continued use and have closed my card/account with them.

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