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Changes afoot for free Curve card holders

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  • Skywalker

    Afternoon all,

    All good things must come to an end – Curve free became….Curve Restricted

    – restrictions being added to free Curve (2 background cards, no commercial cards)
    – new Curve X tier introduced @£4.99 p/m.
    – Go back in time reduced to 3
    – 1 smart rule

    Curve will be giving “OG” free tariff customers 60% discount off the newly introduced fee for a year (making it £1.99).

    Commercial cards available on higher tier plans

    Seen nothing about changes to the reward system (I’m currently on the “OG”) reward system

    • This topic was modified 52 years, 7 months ago by .
    soloflyer1977

    The 2 card limit will be end of Curve for most people.

    dst87

    I’m still on the Legacy Black card which is free and there’s almost no information about. Any word on changed to that?

    Matty

    What’s a commercial card?

    duggie1982

    Yip, i only still use them as have a bunch of cards linked but dont think ill pay, well after the discounted period perhaps.

    Damn it – take ma money!

    Peter K

    What’s a commercial card?

    A card linked to a business. Used by a self employed person (sole trader, partnership, limited company).

    They are not governed by the personal lending rules so no interchange cap means more money for the lender (less for the person you are buying from), so often higher benefits for the user. No s75 protection however.

    duggie1982

    I take it there is no other equivalent to curve then, had a look and dont see any

    FlyinAbout

    Ya, they have really hobbled the free version making it barely beneficial at all. Not sure its worth a 60/yr for the benefit of going back in time and charging a couple more cards either…

    Carlos

    free option allows you to connect two cards at one time
    why would you need to connect 3+ if you plan it correctly you can remove one and add the right one to use

    Harrier25

    Ya, they have really hobbled the free version making it barely beneficial at all. Not sure its worth a 60/yr for the benefit of going back in time and charging a couple more cards either…

    Exactly. I pay Amex £60 a year for an additional one year’s guarantee on all my household electronic and white goods…worth it. I pay Nationwide £13 a month for worldwide travel insurance, mobile phone cover & breakdown cover for the whole family…worth it. Why on earth would I pay Curve to have the option to go back in time for more than 30 days and link more the 2 cards?…well, I wouldn’t.

    Skywalker

    free option allows you to connect two cards at one time
    why would you need to connect 3+ if you plan it correctly you can remove one and add the right one to use

    True, but it’s a bit of a hassle where you didn’t have to do it before.

    For me, the inconvenience is the inability to add commercial cards to Curve unless I pay a fee.

    What made me laugh, within the email, Curve said something along the lines of “We are where we are today because of you so to reward you, we will give you a discount on the £4.99 p/m fee [my own edits – “you know, that fee that you never had to pay before”]” 😀

    HelenM

    Does anyone know how this impacts the Samsung Pay+ element of Curve?

    Carlos

    I never got the email which is strange. I usually do but then again I have complained against a few things

    Peter K

    I also didn’t get the email.

    Rob
    HfP Staff

    Are there really so many people who have 3+ Visa or Mastercard products? To be honest I thought these changes were too weak and unlikely to raise them much cash.

    SteveJ

    Are there really so many people who have 3+ Visa or Mastercard products? To be honest I thought these changes were too weak and unlikely to raise them much cash.

    Totally agree, I was one that looked at the changes and thought, meh, whatever. Their summer promo of unlimited weekend FX spend has me far more interested than ever.

    AndyGWP

    I also didn’t get the email.

    nor I 🤔

    Mr. AC

    Are there really so many people who have 3+ Visa or Mastercard products?

    I just counted and I have 40 cards linked… And perhaps 10 more on my partner’s account. But I’m an outlier and was heavily exploiting an opportunity that has since closed.

    Carlos

    I also didn’t get the email.

    nor I 🤔

    Maybe because we are paying (Metal) customers and they didnt want us to downgrade and lose them money

    Carlos

    Are there really so many people who have 3+ Visa or Mastercard products?

    I just counted and I have 40 cards linked… And perhaps 10 more on my partner’s account. But I’m an outlier and was heavily exploiting an opportunity that has since closed.

    Its friday, that means its story time, its ok to share now

    WillPS

    Are there really so many people who have 3+ Visa or Mastercard products? To be honest I thought these changes were too weak and unlikely to raise them much cash.

    Yep. 5 x Halifax debit cards + 1 x Barclaycard (so I can use it on my Samsung watch + Google Pay). Was a convenient way of splitting the Amex bill in to £500 chunks, especially since Amex started insisting that you could only pay using a single registered debit card.

    Not worth paying £5 or even £2 a month for tho.

    Rui N.

    I’d be very surprised that the average HfP reader doesn’t have plenty more than 3 cards that they can add to Curve. You just need a couple of current accounts and a couple of CCs to be above that…
    Among the general population, of course that would be different, most probably only have 1 debit card and that’s it.

    dst87

    I’d be very surprised that the average HfP reader doesn’t have plenty more than 3 cards that they can add to Curve. You just need a couple of current accounts and a couple of CCs to be above that…
    Among the general population, of course that would be different, most probably only have 1 debit card and that’s it.

    True, but how many HfPers are putting any spend through those cards? For anyone starting out today, I’d imaging that the Avios Barclaycard, a Virgin Atlantic card, and maybe a Chase debit card would be in the wallet and worth spending on – am I missing something else?

    Rui N.

    That’s another matter. Rob’s comment was about people having so many MC/Visa cards, not that they are actually used, let alone on Curve.

    dst87

    That’s another matter. Rob’s comment was about people having so many MC/Visa cards, not that they are actually used, let alone on Curve.

    Ah, fair comment. I missed that important context.

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