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Has anyone seen how this works now?
If I want to pay £100 for electricity bill and let’s say it falls under these new “paid” categories – will I be asked to pay £101 during approval? Or will it just charge me £100 and £1 fee added later?
Tried this yesterday and it was the latter 🙁
I’ve complained to Curve that this should really work like Fronted (ie opt-in). If this isn’t implemented (or something like it) I can imagine complaints and account closures will follow.
I’m also no longer recommending Curve to friends and family. It’s too complicated to explain. Their “elevator pitch” is gone…
Just jumping on this. I don’t think we really need 2 Curve metal in the family since the benefits were slashed. There’s an option to downgrade in the app so I’m thinking of doing this. My only attached card now is the HH Barclays which I might keep for foreign spend to retain my HH gold status – is there any FX-free and/or fronted allowance on the free card or was this enhanced away recently?
It’s £250 or something like that FX free per month.
Zero fronted.Thanks, yeah I had a quick look online – Curve X sounds a better option at £5.99 a month if I’ve found the current card offerings. Can you downgrade to any of the different options, or just the free card?
Who is actually profiteering from this, is it curve pocketing the fee or the underlying card provider?
I’ve just had the fee applied for transacting with a company who is on the FTSE 100, hardly high risk, exactly the opposite
Who charged the fee?
Just topping up on H&L which I’ve been doing for years.
£3000 , no approval required, £3090 on my badclaycard. The curve transaction actually shows £3090 in the appUsing a credit card to fund stocks & shares investments sounds like fairly high risk to me.
Looks like Pret 99p coffee is returning.
Too me, yes, I always get shares in crap companies 🙂
But I wouldn’t say it’s high risk to curve or H&L
It’s what it looks like to Barclaycard. Do that transaction via Virgin Atlantic and they’ll add a 5% cash advance fee.
The answer to your other question is that the charge has been applied by Curve, and I would email them just to check they haven’t applied the 2.5% fronted charge in error.
It doesn’t seem to add up either way. £90 is 3% of £3K. The Fronted fee would be 2.5%, the new ‘high risk’ MCC fee is 1%, so where does 3% come from?
Look at the transaction details on the Curve app and it should say what fee has been added, and why.
Sorry, my mistake, £3030 (not £3090), and it’s “High Risk MCC”
Sorry, my mistake, £3030 (not £3090), and it’s “High Risk MCC”
I would complain — you may not get your money back, but Curve needs to understand how this cack-handed implementation is costing them goodwill.
So are they applying this high risk MCC charge even within the Fronted allowance?
High risk MCC is just what it says on the tin, separate from Fronted. They may overlap of course, but are not directly linked.
The Curve list includes 6211 Securities—Brokers/Dealers. If that is what HL are using then Curve are going to sting you. The issue of course is that you can’t tell in advance.
Yeah, if the app asked beforehand “please confirm £3030 transaction” then you’ll have a chance to decide. Letting it through and secretly charging is sneaky.. but I guess that’s what other card providers do – withdrawing cash from cash machine etc. Although here the list of high risk MCCs is huge, buying at Tesco feels safe, but anything else doesn’t.
And here we have a negative-cashback card 😅
As part of the changes, Mrs Mack got na email saying her old Curve card was no more and a shiny new one would arrive.
Of course, it hasn’t. Probably because she was “de-banked” by Curve several years ago!
Muppets!
NS&I was accepting and now declines Curve…
@Alex might be your underlying card. NS&I is fine.
My Curve metal card keeps being declined when using contactless in various supermarkets but works ok if I use chip and pin.
Last night I tried to pay my HMRC self assessment using Curve fronted backed by Virgin Atlantic +
It was declined so I tried again this morning but still getting this message:
“The card issuer of your selected card has blocked the transaction. Please contact them”I made a purchase online using Curve/Virgin to see if it went through and it was fine.
I have now just tried paying my car tax with Curve/Virgin to see what happened and the payment also failed.
It worked ok last month with HMRC so wonder if it’s a temporary problem or changes are afoot?
Are you getting the authorisation option when you make an online payment? I often have to try several times to get a payment to go through because the in-app notification refuses to appear, or the code sent to my mobile takes so long to arrive that the payment has timed out. Fortunately I don’t use the card that often.
@northernlass Hi yes I get the app notifications and I tried SMS to see if that made a difference. They both let me approve the transaction but then the gov.uk sites say payment failed. I have removed the card and added it back to my wallet a couple of times and conntactd Curve
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