Curve changes from November 10th

[danimal]

As far as I can see for Curve Black customers they are dropping the w/d fee on FX but changing the limit from £15,000 p/a to £2,000 p/m – so overall a good change for me.

Curve Fronted – £1000 per month fee-free, was £0 fee-free, so again an improvement.

As an aside does anyone else get Black for free? They gave me a Black card 6 years ago “free for life” as an early adopter and a relatively high spender.

[QwertyKnowsBest]

Like others, I can get no meaningful response from Curve. The response is full of platitudes but no real clarity and the benefit and fee schedule they direct me to is dated from earlier this year.

Whilst I agree this game is about making hay whilst the sun shines, so to speak, I do need to know if it’s hay or straw.

It strikes me that H4P Curve users have a powerful voice if we speak as one.

[danimal]

The new fee schedule is here – https://cdn.buttercms.com/D6UBpsOhSBe0Ob9gGNig – this is from an email Curve sent to me earlier today. There is a handy link in the PDF to the old schedule so you can compare.

QwertyKnowsBest wrote:

Like others, I can get no meaningful response from Curve. The response is full of platitudes but no real clarity and the benefit and fee schedule they direct me to is dated from earlier this year.

Whilst I agree this game is about making hay whilst the sun shines, so to speak, I do need to know if it’s hay or straw.

It strikes me that H4P Curve users have a powerful voice if we speak as one.

[Grant]

Any clarity yet on what is happening to those of us who are ‘legacy’ Black customers?

[Nate1309]

Grant wrote:

Any clarity yet on what is happening to those of us who are ‘legacy’ Black customers?

I haven’t seen legacy mentioned in any documents. They have forgotten about us. Im sure there are a lot of H4P’ers who are legacy (+/- investor) black.

Rob any chance the H4P team could reach out and run and official article that includes the OG curve crew?

[Bobri]

Escape velocity

[JDB]

Nate1309 wrote:

Grant wrote:

Any clarity yet on what is happening to those of us who are ‘legacy’ Black customers?

I haven’t seen legacy mentioned in any documents. They have forgotten about us. Im sure there are a lot of H4P’ers who are legacy (+/- investor) black.

Rob any chance the H4P team could reach out and run and official article that includes the OG curve crew?

The email sent by Curve today does link to the terms which do reference Curve Black Legacy…

[QwertyKnowsBest]

danimal wrote:

The new fee schedule is here – https://cdn.buttercms.com/D6UBpsOhSBe0Ob9gGNig – this is from an email Curve sent to me earlier today. There is a handy link in the PDF to the old schedule so you can compare.

QwertyKnowsBest wrote:

Like others, I can get no meaningful response from Curve. The response is full of platitudes but no real clarity and the benefit and fee schedule they direct me to is dated from earlier this year.

Whilst I agree this game is about making hay whilst the sun shines, so to speak, I do need to know if it’s hay or straw.

It strikes me that H4P Curve users have a powerful voice if we speak as one.

Thanks Grant, you did what Curve support could not.

[can2]

I decided to keep my Metal. Fronted limit is very low but I’ll just stay within the limit.

The Player 2 didn’t have Curve so now I’m thinking she may get it, too.

we don’t lose money on curve. But the “profits” diminished. But it is still a
Profit. Two cards would still bring in more.

[trient]

Got the email for myself (metal) and OH (free) just now. Came just to say I found the email very sneaky – bullet points are pointing out to making the terms clearer, adding recommendations, introducing new products and refreshing the privacy policy – but never calling out price changes as a thing. There’s only a passing mentioning of an update to the schedule to reflect new pricing, but it’s nowhere near a major point when we’d all argue here that is the only thing that mattered.

I’ve been making excellent use of Curve so far but the way they do business and treat their customer is just appalling – reason enough for parting ways.

[Harrier25]

JDB wrote:

The email sent by Curve today does link to the terms which do reference Curve Black Legacy…

…and what are these references to Black Legacy, because I have received no email and there is no mention of Black Legacy in the link posted above by @danimal?

[JDB]

This is the link to the new terms from the email – reference to Legacy Black at para 8 with a further link to the specific details for that card:-

https://cdn.buttercms.com/Z5WebDHjQnWPfIqaLSry

[Harrier25]

Yes, these are the current terms & conditions but there is nothing about any Legacy changes in November, so maybe that means no news is good news?

[JDB]

Harrier25 wrote:

Yes, these are the current terms & conditions but there is nothing about any Legacy changes in November, so maybe that means no news is good news?

Those are the terms dated today that also have the new subscription schedule that takes effect from 13 November, so the link at para 8 to Legacy Black vs current Black ought also to be the most most up to date version.

[Harrier25]

That’s good news then. Thanks JDB.

[roger]

So new terms applies to existing card holders too?

[JDB]

roger wrote:

So new terms applies to existing card holders too?

Per the email, the new terms and incorporated documents (eg the fees/subscription schedule) take effect from 13 November for everyone.

[danimal]

The link to the “new” terms contains links to the old cards in all cases. I wouldn’t assume Legacy cards are not changing. Click the link to Curve Black in the new terms and it takes you here – https://www.curve.com/en-gb/cards/

Harrier25 wrote:

Yes, these are the current terms & conditions but there is nothing about any Legacy changes in November, so maybe that means no news is good news?

[Jon]

Given the switch from calendar month to rolling 30 day period, would it be a reasonable interpretation of the terms that this means a Metal customer could do £10k fronted up to/on November 12th and then start afresh with £3k on/after November 13th? So as a one-off you could do £13k in November, effectively…

[Toaster]

Jon wrote:

Given the switch from calendar month to rolling 30 day period, would it be a reasonable interpretation of the terms that this means a Metal customer could do £10k fronted up to/on November 12th and then start afresh with £3k on/after November 13th? So as a one-off you could do £13k in November, effectively…

That is how I interpret it, whether or not Curve agree we will have to wait and see.

[JDB]

Harrier25 wrote:

JDB wrote:

The email sent by Curve today does link to the terms which do reference Curve Black Legacy…

…and what are these references to Black Legacy, because I have received no email and there is no mention of Black Legacy in the link posted above by @danimal?

This is the link to the new terms – reference to Legacy Black at para 8 with a further link to the details for that card:-

https://cdn.buttercms.com/Z5WebDHjQnWPfIqaLSry

[Catman99]

The Curve II that people have been hearing about is Paypal, so you are going to be able to add Paypal to your wallet. I presume that if you have Amex cards in your Paypal account then you can pay with them….at least for now.

[strickers]

At least there seems to be some information for legacy black now, as far as I can see it’s fundamentally business as usual with just the change from calendar month to rolling 30 days?

[Skywalker]

£59.99 charge during 14 day cooling off period – did I read that right?

If I did: I thought that the whole point of a cooling off period was that you were able to leave without penalty (maybe I thought wrong?)
If I didn’t: apologies for any alarm caused!

[Toaster]

Catman99 wrote:

The Curve II that people have been hearing about is Paypal, so you are going to be able to add Paypal to your wallet. I presume that if you have Amex cards in your Paypal account then you can pay with them….at least for now.

Incorrect. Amex cannot be used as a funding source for Paypal via Curve.