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

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• Britbronco says:

  1 Oct1 October 14:55

  Received the letter for both Marriott and IHG white card. Very disappointed to lose the 10 free nights credit from the Marriott card. Ridiculous behaviour from Creation since Curve is now banned anyway!

• Josh says:

  1 Oct1 October 14:56

  So i’ve had the card for just several months yet received the same letter. Wasn’t able to ever utilise it for MS so it’s insane that this is happening + they are refusing to give a pro-rata refund, I imagine this must not be legal?

  Like if I took out broadband with virgin, paid for the year, then 3 months in they cancel it and take the full amount?

  • CH says:

    1 Oct1 October 16:37

    Virgin Media and other broadband providers do regularly do that! I have had two different providers both fail to provide contracted services (their problem), and yet they still tried to make me pay. You will find reports of the same all over various uk consumer forums and websites. I would not be surprised if Creation do the same.

  • David says:

    2 Oct2 October 10:56

    The fee charging card has been closed to new applicants for well over a year. Don’t understand how you’ve only had it a few months

• lee says:

  1 Oct1 October 14:57

  I guarantee al the accounts cancelled will be people also who pay there bills in full not paying interest so they they are making a small fee only .

  I paid mine in full each time paying no interest

  • Tommo says:

    1 Oct1 October 22:47

    Not the case.

    I got into a pickle and am running a balance + a balance transfer.

    Cancelled just the same.

• Dan Loves Christmas says:

  1 Oct1 October 14:58

  Bye Bye Solihull. Bit cheeky not to refund the fee, the whole episode suggests they have been asleep at the wheel for sometime (or the large scale MS activity that likely prompted this, accelerated recently as people suspected the end was nigh).

  I never realised paying HMRC was considered ‘grey’ – I thought that was one of the advertised benefits of curve?

  • Qrfan says:

    1 Oct1 October 15:01

    It’s not grey, it’s part of the curve fronted restrictions. I don’t see that as grey if you pay the fee (either metal or 1.5%).

  • Rui N. says:

    1 Oct1 October 15:02

    NS&I top-ups are also one of the advertised benefits of Curve, along with paying a credit card with another credit card – not that you need the latter for Creation, as you can do it directly!

  • BLT says:

    1 Oct1 October 15:11

    I never understood HMRC payments being classed as dodgy. HMRC use to accept credit cards prior to the ban on charging for CC payments. No credit card company had an issue with these payments, but now they do?? it’s completely different to NS&I etc who have never allowed CC payments for good reason.

• Tw33ty says:

  1 Oct1 October 15:01

  Just been on the phone with creation, they say as per term 14 or whatever, they don’t need to give a reason for closing a card.
  I’m getting both mine closed, one has never been used via curve, the black one used for curve via Apple Pay with no NS&I ever done on it.
  Yearly fee not being refunded even though only took four days ago.
  Put in a complaint as they’ve took money for the provision of goods or services that they are failing to provide.
  Seems silly not to refund as they will be getting charged more per complaint than from giving refund.

  A work colleague has also received the letter of cancellation of his white card, he’s only used it for stays at ihg with work and never heard of curve.

  Seems it’s maybe an exit strategy from the uk

  • John says:

    1 Oct1 October 15:07

    Seems this 1800 closures thing is nonsense then

  • JDB says:

    1 Oct1 October 15:46

    Termination is covered in s3, not s4 (which is the one you are citing).

    • Genghis says:

      1 Oct1 October 16:12

      I’m certainly no expert on the CCA. Link? Looks to me like I wasn’t citing S4, but 98? Confused.

      • JDB says:

        1 Oct1 October 16:34

        @Genghis I was citing the paragraph before the one you cited. I was referring to S98A(3) which is the one that applies here, not (4). You will find this confirmed in a number of FOS decisions e.g DRN-1902490. (4) relates the ability to draw credit which Creation hasn’t done.

      • Genghis says:

        1 Oct1 October 16:38

        @JDB thanks.

• @mkcol says:

  1 Oct1 October 15:03

  Husband has the paid for card & never did any MS yet did add it to his Curve card.
  Quite a bit rubbish of them.
  I’ve got the free & paid for, and will be pushing for compo of the fee.

• Tom says:

  1 Oct1 October 15:13

  Email from Creation:

  “Over the last year, we’ve seen a lot of changes in the way our customers get in touch, changing not only when they call, but what they call about. That’s why we have introduced new services to make it quicker and easier for you to manage your account.”

  You mean the account you’ve decided to close? Bunch of absolute jokers.

• Graham Walsh says:

  1 Oct1 October 15:14

  Could we do a charge back for the fee?

  • stevenhp1987 says:

    1 Oct1 October 15:18

    No. It’s not an actual Mastercard transaction.

    • Graham Walsh says:

      1 Oct1 October 15:24

      Darn, there goes that idea.

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