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

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• Boog says:

  5 Oct5 October 19:54

  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:

  6 Oct6 October 14:35

  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:

    6 Oct6 October 15:22

    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.

• Paul says:

  6 Oct6 October 14:37

  I was on the phone to Creation this morning for a different reason and mentioned that they were closing my account. I ask the lady if there was any reason and just just said that it was been done under section 14 and that they don’t have to give a reason. I’m not bothered that they are closing my accounts, I was just interested to see if they would say why.

• Ant says:

  6 Oct6 October 15:54

  I had an email back from creation customer services yesterday, stated “we are not awrding the reward night and we are not refunding annual fee”, and I can raise a complaint if I wish to.

  • Mick S says:

    6 Oct6 October 16:36

    Well that going to signal an avalanche of MS then. What a blunt response.

    • Paul says:

      6 Oct6 October 17:42

      How can we MS now though that Creation have blocked Curve? 🤣. We might as well all just in the Band Wagon and get something for the inconvenience 🙂

      • Paul says:

        6 Oct6 October 17:44

        *jump on

  • stevenhp1987 says:

    6 Oct6 October 16:59

    It’ll be cheaper for them to issue the free night and the pro-rata annual fee refund than allowing it to go to FOS…

  • Andy says:

    6 Oct6 October 18:46

    How do we raise a complaint? I’m not fussed about the pro rata fee but i want my free night!

• Jon says:

  8 Oct8 October 12:24

  Send a complaint to the financial ombudsman. It costs the company about £800 for every case that gets raised. Hit them where it hurtw

  • JDB says:

    8 Oct8 October 12:57

    You can’t complain directly to the FOS until the firm has given a final decision on your complaint or 8 weeks have elapsed since you raised it if they don’t respond. Firms are charged £750 for each complaint actually investigated, not simply raised. They won’t investigate dozens of complaints about the same issue.

• Neil Powell says:

  8 Oct8 October 12:59

  I’ve been waiting patiently for my letter of cancellation or email confirming this since this annoucement. Still nothing. My card is still active and working. Are they still sending out letters?

  • Rob says:

    8 Oct8 October 13:27

    Perhaps you are a profitable customer?

  • Keef says:

    8 Oct8 October 13:43

    Me too, I made hundreds of Curve transactions charged to IHG Black but all were legit spending, nothing contrived. Starting to hope I’ve been spared the cull.

  • Chris says:

    9 Oct9 October 20:10

    Same situation, no letter so far. I used my IHG Black extensively with Curve for Google Pay and Garmin Pay. No cash withdrawals or MS/NS&I though.

  • Rob H says:

    11 Oct11 October 06:52

    Me too

• Ben says:

  8 Oct8 October 13:16

  Maybe it is my experience , but I have always found that banks always seem to be really relaxed about paying the Ombudsman’s fees – it doesn’t seem to count as a disincentive. Maybe its because it comes out of another budget. I had an issue a couple of years ago ( with Lloyds ) which was pretty much an open and shut case (I highlighted to them an identical case on the Ombudsman website which they had previously lost) and I told them I would settle for £50 but Lloyds insisted on dragging it out proceeding all the way to the Ombudsman who ruled against them – must have cost them over 1K including FOS fees and compensation.

• Mike says:

  8 Oct8 October 17:31

  Perhaps not ALL cards are being cancelled. I’ve had my IHG Creation card linked to Curve for years with dozens of transactions processed.
  I never linked to Apple Pay or ever used it for NS&I or even ATM transactions, but did use it overseas. My card is still active (as far as I know).
  I did however, had to unlock my PIN about two weeks ago when my Creation card suddenly stopped working. Creation support desk couldn’t/wouldn’t explain what triggered the block.
  Should my Creation card be terminated, so too would my loyalty to IHG. I value the Platinum status and points that comes with the card. IHG’s loyalty programme is uncompetitive as it is. Removing the credit card benefits would be a further devaluation and I would take my travel loyalty elsewhere.

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