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  • HughM 76 posts

    I’m an x, though hardly a capital X.
    Today I received this NEW card from Creation. Hey, I thought I was blacklisted! I don’t actually want my NEW card from Creation and wonder if not activating it is sufficient, or if it’s going to be more hassle to get rid of.

    I still hold the white IHG rewards card, which Creation promise will still earn points until next month. After the black card experience, I haven’t trusted them to give me any points, so have switched daily spending to Barclay.

    The good news is: my last free night is in Amsterdam this Tuesday, at the nicest hotel we know there (Crowne Plaza). After protracted ombudsman proceedings, I guess I will appreciate it the more. Thanks to all you contributors on this and other threads for your long-term expert support in this story. I have learned much.

    WillPS 194 posts

    I’m an x, though hardly a capital X.
    Today I received this NEW card from Creation. Hey, I thought I was blacklisted! I don’t actually want my NEW card from Creation and wonder if not activating it is sufficient, or if it’s going to be more hassle to get rid of.

    I still hold the white IHG rewards card, which Creation promise will still earn points until next month. After the black card experience, I haven’t trusted them to give me any points, so have switched daily spending to Barclay.

    The good news is: my last free night is in Amsterdam this Tuesday, at the nicest hotel we know there (Crowne Plaza). After protracted ombudsman proceedings, I guess I will appreciate it the more. Thanks to all you contributors on this and other threads for your long-term expert support in this story. I have learned much.

    I thought IHG points earning ended in the spring?

    And when you say ‘new card’, do you mean a newly issued card on an existing account or a new card replacing an expired/reported one?

    HughM 76 posts

    IHG premium points earning ended early this year. Standard points continue to be earned on the non-premium card until December. The NEW card is a Mastercard from Creation. It earns no points at all. It is free of charge. I’m just looking for a convenient way NOT to register and use it!

    Lula 210 posts

    S

    IHG premium points earning ended early this year. Standard points continue to be earned on the non-premium card until December. The NEW card is a Mastercard from Creation. It earns no points at all. It is free of charge. I’m just looking for a convenient way NOT to register and use it!

    Sorry what?

    John 1,050 posts

    IHG premium points earning ended early this year. Standard points continue to be earned on the non-premium card until December. The NEW card is a Mastercard from Creation. It earns no points at all. It is free of charge. I’m just looking for a convenient way NOT to register and use it!

    Just cut it up and don’t use it?

    Are you saying your IHG card was cancelled but somehow creation have still sent you the new card? Then you had better check your credit report and see what the account shows. If it’s open, write a letter to creation to cancel it (otherwise you will probably have to register on the app/website to contact them a different way).

    SteveJ 1,004 posts

    I’m just looking for a convenient way NOT to register and use it!

    Not registering your card does not cancel your account. Call or write to them (snail mail) to cancel it.

    KimK 10 posts

    My FOS investigator has gone AWOL and is not replying to my emails, so who should I contact instead?

    NorthernLass 8,267 posts

    How long is it since you had a response? This happened to me and I think I eventually wrote and asked what was going on – I think some staff had left and it took a while for the cases to be re-allocated.

    KimK 10 posts

    How long is it since you had a response? This happened to me and I think I eventually wrote and asked what was going on – I think some staff had left and it took a while for the cases to be re-allocated.

    – Not heard from him since August

    RG 64 posts

    Is anyone else getting every-single-sms-that-creation-have-sent delivered today every 5 mins?

    Cell1919 3 posts

    Is anyone else getting every-single-sms-that-creation-have-sent delivered today every 5 mins?

    Yup. You’re not alone.

    Useless prats.

    Froggee 987 posts

    No but you should totally complain to them about the emotional distress it is causing you.

    I love it every time this thread pops up.

    NorthernLass 8,267 posts

    What is Creation? 😂

    Misty 289 posts

    No but you should totally complain to them about the emotional distress it is causing you.

    I love it every time this thread pops up.

    I’m glad I am not the only person who enjoys this thread popping up. When I joined a few weeks back I thought it was going to ne a God verse Darwin, discussion – until I noticed the financial bit. Sad to say I have read the whole thing from beginning to end.

    Aston100 1,457 posts

    No but you should totally complain to them about the emotional distress it is causing you.

    I love it every time this thread pops up.

    I’m glad I am not the only person who enjoys this thread popping up. When I joined a few weeks back I thought it was going to ne a God verse Darwin, discussion – until I noticed the financial bit. Sad to say I have read the whole thing from beginning to end.

    And was it quite an emotional rollercoaster?

    I reckon someone could make a movie based on this.
    Starring JDB as Mr X.

    EwanG 119 posts

    I was looking forward to this topic breaking the 100-page barrier!

    points_worrier 297 posts

    No but you should totally complain to them about the emotional distress it is causing you.

    I love it every time this thread pops up.

    I’m glad I am not the only person who enjoys this thread popping up. When I joined a few weeks back I thought it was going to ne a God verse Darwin, discussion – until I noticed the financial bit. Sad to say I have read the whole thing from beginning to end.

    And was it quite an emotional rollercoaster?

    I reckon someone could make a movie based on this.
    Starring JDB as Mr X.

    I love the Mr X ‘mystery’. And the fact that Rob has now removed the link to the FOI request from his old article about it. Has Mr X made an appeal to the site owner?

    Misty 289 posts

    No but you should totally complain to them about the emotional distress it is causing you.

    I love it every time this thread pops up.

    I’m glad I am not the only person who enjoys this thread popping up. When I joined a few weeks back I thought it was going to ne a God verse Darwin, discussion – until I noticed the financial bit. Sad to say I have read the whole thing from beginning to end.

    And was it quite an emotional rollercoaster?

    I reckon someone could make a movie based on this.
    Starring JDB as Mr X.

    It sure was, defiantly better than anything currently on the telly.

    slidey 296 posts

    When Mr X was writing the email, I wonder if the fume was full on smoke coming out of ears style? 😀 Fun times lol

    Still have the last 2 free night vouchers to use, were they book by or use by?

    Dan Hurley 22 posts

    Hmmmmmm

    One of the latest ombudsman decisions, customer had an offer of 0.5% cashback on top of their reward points. They used a “payment aggregator service” (presumably Curve)

    Creation were trying not to honour the cashback on any of rhe Curve payments. The ombudsman made them pay up on the transactions excluding payments they made to a savings provider as they said they should have known they were cash advances.

    I wonder if Creation would have got away with it if they’d gone about things a different way and applied cash advance fees to the dodgy transactions?

    Dan Hurley 22 posts

    Miss my IHG card.

    Wish Chase would do something like they do in the US

    Jonathans 128 posts

    BOOM! It’s taken an exorbitant amount of time, but i won my Ombudsman complaint and today received the payment from Creation. Saga over!

    EwanG 119 posts

    BOOM! It’s taken an exorbitant amount of time, but i won my Ombudsman complaint and today received the payment from Creation. Saga over!

    So you got your 25k that you would have received as your Spire benefit? Anything else? Did Creation or IHG upgrade your status now?

    Jonathans 128 posts

    BOOM! It’s taken an exorbitant amount of time, but i won my Ombudsman complaint and today received the payment from Creation. Saga over!

    So you got your 25k that you would have received as your Spire benefit? Anything else? Did Creation or IHG upgrade your status now?

    I got the monetary equivalent because Creation no longer have a commercial relationship with IHG.

    The Urbanite 119 posts

    Creation was a bizarre tool in the arsenal of the points collector. It was a golden goose for years.

    I can’t blame them for shutting my accounts with no notice. The entire credit limit on both cards was cycled every 2-3 days. All paid off with rewards credit cards and used as an “out” for various experimental prepaid cards and gift cards that weren’t that easy to liquidate through the usual means. After the interchange fee cap came in, and even before for that matter, I dread to think what it was costing Creation to run these cards and accept payments for them.

    Creation were wisely paying out rewards on transactions with money transfer merchants, but were pioneering in heavily restricting transactions with financial services merchants to £700 a week. Nowadays most rewards credit card providers have no time for these transactions and won’t pay any rewards on them. Comedic moment when Wirecard went down resulting in Curve disabling MCC passthrough, therefore allowing Creation’s financial services merchant limit to be bypassed entirely.

    Then there was the IT. It was crazy. To shut an account immediately they had to set the account balance to 0 by doing a “goodwill” credit payment. In other words wiping the account balance, so they paid thousands to be able to close the account with no notice. Smart move. The double points for overseas transactions was amusing too. The obvious intention was to trigger the 3% forex charge to pay for those extra points. Only they also paid double on GBP merchants that were domiciled outside of the UK. Whoops. My favourite one was topping up the Swipe cashback card which was free and Lithuania based. Anyone remember Vodafone Smartpass?

    It seemed for a long time Creation had little in the way of AML in place, several calls from the Solihull office were just to check I was the one performing the transactions. It took a lot to elicit contact from BNP Paribas’ compliance team in Belfast, that was one call no points collector would want to get!

    Things got more interesting after account closure, which I complained about because of the improper nature of the closure. Customer services don’t really understand the complaint and awarded £150 compo for late issue of a reward night that I did receive. I later received another certificate I wasn’t expecting. I escalated the complaint to the FOS and it seemed Creation tried it on by trying to lie their way out of being accountable for anything. I had evidence to prove they were lying and the FOS found in my favour, meaning I was to get further compensation and the points they withheld from the month of account closure. Creation then tried to appeal the outcome and had the FOS questioning the merchants I was transacting with by providing them with statements. But I managed to challenge their appeal successfully and they had to pay out the award.

    Even after account closure it was still possible to generate rewards from the Creation accounts which is something I haven’t seen elsewhere.

    It was mildly amusing when they got someone in who clearly was there to stem the losses from the credit card operation – withdrawing the black card, adding restrictions to which merchants earned rewards, identifying Curve customers as undesirable value seekers (read unprofitable) and nuking accounts en masse then binning off the lot. Too little too late I guess, the only surprise being how long it took them to do all of that.

    My only regret was ignoring all the offers to get the Mariott credit card back in 2015! I was also disappointed when my Asda card got turned into a generic card with no rewards when others got a 2% cashback card!

    Joke was none of that was against T&Cs, all they care about and have flags set for is late payments and exceeding credit limit (distinct from cycling but keeping balance below limit).

    Creation are missed and their return to the UK rewards card market would be very welcome, but in the event that doesn’t happen, thanks must be given for the opportunities they provided!

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