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  • Optimus Prime 68 posts

    Hi,

    Has anyone ever had issues adding a Barclaycard Avios supplementary card to Curve?

    I just got one for my OH and when she tries to add it to her Curve the MasterCard Verification screen appears and then immediately says it couldn’t be verified. I thought it needed to be activated first by making a purchase using PIN, but we have just done it and keeps getting the same error.

    On the other hand she’s had no issues adding it to Apple Pay.

    Any thoughts?

    Thanks in advance.

    can2 531 posts

    We had no issues.

    Optimus Prime 68 posts

    We had no issues.

    Thanks, do you remember if you added it upon receiving it or you made any purchase first?

    BTW we have the same issue when adding it to Paypal, might have to call Barclaycard and ask them to sort this out…

    RK228 212 posts

    In our experience, we couldn’t add our cards to PayPal or Curve for a few days after receiving them. The issue seemed to sort itself after 3 or 4 days. Calls to Barclaycard before then yielded no results.

    Optimus Prime 68 posts

    In our experience, we couldn’t add our cards to PayPal or Curve for a few days after receiving them. The issue seemed to sort itself after 3 or 4 days. Calls to Barclaycard before then yielded no results.

    Thanks, will wait till next week then!

    can2 531 posts

    Do not call Barclays about Curve.
    At all.

    Yes, I made an in store purchase with the supp card first.

    Curve is a moody teenager, who knows how it will behave

    rtid 45 posts

    Has anyone been concerned about using Curve with Barclaycard? ie is there a risk that Barlcaycard would not like this transaction flow and threaten to close an account?

    I plan to spend 40k via curve which would be beneficial for me points wise clearly, but i’m not sure at what risk…

    can2 531 posts

    Of course one should worry as every fronted transaction is a violation of T&Cs.

    Optimus Prime 68 posts

    If i have to call i’ll only complain about not being able to add it to PayPal

    rtid 45 posts

    thank you. I didn’t actually realise it was against T&Cs

    RK228 212 posts

    Thanks, will wait till next week then!

    No worries. Not sure if it’s worth noting that we never ultimately used our cards with Curve for any transactions though, just with ApplePay and PayPal, as decided it wasn’t worth the risk in the end.

    Rui N. 840 posts

    Of course one should worry as every fronted transaction is a violation of T&Cs.

    Tax free childcare is a violation of what terms?

    Harrier25 868 posts

    How anyone would think that calling Barclaycard would sort out a Curve issue is totally beyond me. You need to email support@curve.com.

    can2 531 posts

    Think of it like this:
    If your underlying card shuts your account allegedly for curve fronted use, for whatever purpose, can you successfully argue against it?

    Allowing a product that changes the merchant code so that it can go thru the underlying card does not seem to be in their best interest.
    I can easily see them quoting #13&18 of the following terms:
    https://www.barclaycard.co.uk/content/dam/barclaycard/documents/personal/existing-customers/Barclaycard%20Avios%20Plus%20Terms%20and%20Conditions.pdf
    And there have been reports here of account closures.

    We need to accept it now, curve has a very limited shelf life left.

    JDB 4,514 posts

    Of course one should worry as every fronted transaction is a violation of T&Cs.

    Tax free childcare is a violation of what terms?

    I’m sure you know the answer to this really. There’s a distinction between standard purchases and all other transactions. Fronted or cash type transactions may also cause a breach of your cash limit inside your overall credit limit. These transactions may go though fine for now because they are incorrectly coded but they are obviously undesirable for the underlying card company so they will eventually take action. Virgin tightened for different reasons but BC will get there.

    jek 120 posts

    Has anyone been concerned about using Curve with Barclaycard? ie is there a risk that Barlcaycard would not like this transaction flow and threaten to close an account?

    I plan to spend 40k via curve which would be beneficial for me points wise clearly, but i’m not sure at what risk…

    Yes, I suspect that Barclays have just suspended my card because of Curve fronted use.

    They don’t give you a warning or threaten to close your account. They just close it and send you a letter informing you of the closure.

    Rui N. 840 posts

    Think of it like this:
    If your underlying card shuts your account allegedly for curve fronted use, for whatever purpose, can you successfully argue against it?

    Allowing a product that changes the merchant code so that it can go thru the underlying card does not seem to be in their best interest.
    I can easily see them quoting #13&18 of the following terms:
    https://www.barclaycard.co.uk/content/dam/barclaycard/documents/personal/existing-customers/Barclaycard%20Avios%20Plus%20Terms%20and%20Conditions.pdf
    And there have been reports here of account closures.

    We need to accept it now, curve has a very limited shelf life left.

    1. Curve hasn’t changed the merchant code for many many years now. You are quite out of date.
    2. I’ve hearing that Curve is imminently closing since before I had my account with them. I’m on my 6th year with them.
    3. Still waiting on specific terms. Saying that several pages of terms could apply is not an answer.

    can2 531 posts

    I’m on your side @Rui N.
    But I am not as relaxed.

    I may be out of date, but banks can make any decisions about this matter they want, like Virgin did.

    We both know that there will not be “curve specific” terms, virgin didn’t do it like that either. All I’m saying is that it is very easy for the banks to interpret those clauses in a way that it is not in your best interest. In that case, as I argued earlier, you’ll have nothing to say.
    Did you ask Virgin for the specific clause? When they didn’t give you, did you argue or sue them?

    JDB 4,514 posts

    I’m on your side @Rui N.
    But I am not as relaxed.

    I may be out of date, but banks can make any decisions about this matter they want, like Virgin did.

    We both know that there will not be “curve specific” terms, virgin didn’t do it like that either. All I’m saying is that it is very easy for the banks to interpret those clauses in a way that it is not in your best interest. In that case, as I argued earlier, you’ll have nothing to say.
    Did you ask Virgin for the specific clause? When they didn’t give you, did you argue or sue them?

    As identified above, it isn’t written in a numbered clause, but it should be fairly clear what constitutes a standard purchase and what doesn’t.

    While it’s not at all definitive, transactions that require fronted are often already looking like non standard purchases. The simple fact is that people are currently able to exploit errors within card provider systems to obtain some extra points. These transactions are unintentionally being mis-booked and in the case of Virgin this was picked up by EY. Cash withdrawals seem particularly vulnerable. These transactions have a cost to providers.

    I think some either don’t read and understand the purpose of the terms and rely on that, but ultimately the card company can close your account even if you think your stretched interpretation allowed certain transactions.

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