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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.

  • Paul says:

    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:

    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:

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

      • Paul says:

        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 🙂

    • stevenhp1987 says:

      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:

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

      • Richard says:

        You can email them (customercare AT, send a letter, or use the form on Creation’s website under “about us” – “customer care”. The web form produces an instant acknowledgement, so is probably the best option.
        I suggest you complain about being treated unfairly and being deprived of the benefits you expected over the full 12 months from payment of your annual fee. How you word this will depend on whether you will be able to earn your free night before cancellation on 3rd December.
        If you are unhappy with the ‘resolution’ Creation propose in response to your complaint (which could take up to 8 weeks), you can then go to the FOS within 6 months of Creation’s resolution letter.

  • Jon says:

    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:

      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:

    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:

      Perhaps you are a profitable customer?

    • Keef says:

      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:

      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:

      Me too

  • Ben says:

    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:

    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.

  • Mick S says:

    What are people’s opinions here in the following situation.
    IHG card closes on 3rd/4th Dec. November statement is produced on or around the 25th. Any points earned between the November statement and the card closure…..down a black hole?

  • iamfugly says:

    Hi All,
    I have not kept up to news with curve (I have not used it for at least the last 18 months), are there any other cards I need to watch out for using curve with which might draw fees or the wrath of the card company like creation?
    I was previously using it with the JLP and HSBC Premier World Elite card. Hopefully these are still safe to link?

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

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