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I’m sure it has said this for a long while and will quite reasonably continue to do so. Curve has been considerably more diligent in flagging the changes than say Amex. They sent the original formal notification by email with the requisite two months notice, they have sent app notifications and in the app there is a huge banner advising the changes with a link to the new terms/schedule.
I don’t think many people buy a product on the basis of an app notification, but if someone chose to do so in this instance it’s abundantly clear what the rules will be with effect from next week long before you pay.
Certain people love to hate Curve but pretending to be the potential victim of some scam or ‘bait and switch’ is like the victim narrative of Ginger and Whinger; not very credible.
Are there any early prompts to notify a user when they go over the £10k allowance?
I did a dummy test and I wasnt asked to verify the new with-fee cost. I then cancelled at the last stage
@Carlos
Please see Peter K’s helpful response on page 16 re this questionI’m sure it has said this for a long while and will quite reasonably continue to do so. Curve has been considerably more diligent in flagging the changes than say Amex. They sent the original formal notification by email with the requisite two months notice, they have sent app notifications and in the app there is a huge banner advising the changes with a link to the new terms/schedule.
I don’t think many people buy a product on the basis of an app notification, but if someone chose to do so in this instance it’s abundantly clear what the rules will be with effect from next week long before you pay.
Certain people love to hate Curve but pretending to be the potential victim of some scam or ‘bait and switch’ is like the victim narrative of Ginger and Whinger; not very credible.
Whilst this may be true for existing Metal card holders this is factually inaccurate for holders of the free card. No mention of the change as you click through the upgrade to metal process, throughout it mentions the 10k fee free fronted limit.
Just received an email about Fronted – “We’ve waived the 1.5% fee for Curve Metal users”
So as opposed to reducing the limit to 3k they are removing it?!Just received an email about Fronted – “We’ve waived the 1.5% fee for Curve Metal users”
So as opposed to reducing the limit to 3k they are removing it?!Did you click the link for “learn more”?
It’s an extremely dodgy email, it links to a now out of date help centre article.
“How can i use Curve Fronted? … It’s free with Curve Metal … We’ve waived the 1.5% fee for Curve Metal users, so it’s totally free”
That seems pretty unambiguous to me.
Although the fact that the “Learn More” link goes to an article written in June 2022 and referring to changes made in December 2021 isn’t terribly helpful. It does also say “Fees and fair usage limits apply, see FAQs and Terms of Service at http://www.curve.com” in the small print, linking to the Curve home page, from where there’s no sign of any FAQs or terms of service… Also unhelpful. Lol 🤦♂️
Having just written all that and then re-read the email again, it occurs to me – I was assuming they’d sent it to me as an existing Metal user (you’d think they’re capable of segmenting their customer database…). But read from the perspective of a non-metal user, who usually pays 1.5% on ALL fronted transactions, it maybe makes more sense – “upgrade to metal and the 1.5% fee is waived (up to the applicable limits)”. So for existing metal users, this is a no-news nothing burger waste of everyone’s time. Does Curve’s competence know no bounds? 😉
I just did, and got the Ts and Cs from 2022 telling me I have a £10k fronted limit!
On Metal and received an email about Frontend last night, seems very odd timing as it links to article https://help.curve.com/en_us/what’s-curve-fronted-rkuEB_2Iu on learn more advertising 10K limit…
My email link “learn more“ takes me to the FAQ, not T&Cs, referring to the £10k ‘fronted’ limit which is currently correct. Whether they will have updated it by Wednesday is another matter.
My email link “learn more“ takes me to the FAQ, not T&Cs, referring to the £10k ‘fronted’ limit which is currently correct. Whether they will have updated it by Wednesday is another matter.
Curve email today directs to link dated September 18 2023 4:49pm.
Curve Metal: Curve Metal customers have a fee-free £10,000.00 (€10,000 for EEA customers) Fronted limit per calendar month. Once this limit is exceeded, we then charge a 1.5% service fee on the total transaction value in excess of that limit.
£120K fronted p.a. I can see value in this.
@QwertyKnowsBest – again, that is still correct as at today. If it linked to the lower limit that comes into effect on Wednesday, there would no doubt be complaints they were jumping the gun.
Obviously £10k fronted was better but relatively few cardholders genuinely spend that, it was still being used to recycle. Hence the lower limits. However, even at £36k p.a. that gives the opportunity to earn 54,000 Avios for £180 and we now have the hugely improved FX free transactions all week (unlimited, subject only to fair use).
On top of that you get annual travel insurance, car hire excess policy and gadget/telephone insurance, depending on when you took out the card.
If you don’t think that’s a good deal, nobody is forcing you to have or get a Metal card.
My email link “learn more“ takes me to the FAQ, not T&Cs, referring to the £10k ‘fronted’ limit which is currently correct. Whether they will have updated it by Wednesday is another matter.
Curve email today directs to link dated September 18 2023 4:49pm.
Curve Metal: Curve Metal customers have a fee-free £10,000.00 (€10,000 for EEA customers) Fronted limit per calendar month. Once this limit is exceeded, we then charge a 1.5% service fee on the total transaction value in excess of that limit.
£120K fronted p.a. I can see value in this.
You are coming quite late to the party!
Cany anyone list cards (or point me to a list of cards) that work OK behind Curve for tax payments without incurring cash handling charge from the card provider
Virgin I think? Plutus say they do, but their card scheme is totally incomprehensible (probably deliberately), and I barely use it now after they decided to randomly freeze accounts a few weeks ago. What about Barclaycard?
Has anyone spoken to Curve and heard anything further about Legacy cards? I’ve seen the PDF but don’t have a lot of faith that that’ll stick.
I know it doesn’t count for much but their live chat agents told me that legacy black cards will have the £3k limit
You could use Virgin to avoid FX fees in EU.
But I do use metal Curve for FX
has anyone else experienced this?
I had used £9600 out of the £10000 fronted allowance. Used the remaining £400 yesterday, went through fine.
THEN, I realised I’d used the wrong underlying card so I GBIT, only to find out £406 has landed onto the new underlying card. I’m assuming this will be because I’ve sort of gone over the limit, albeit, I haven’t in reality.Is this likely to sort itself out, or will I need to contact Curve support?
has anyone else experienced this?
I had used £9600 out of the £10000 fronted allowance. Used the remaining £400 yesterday, went through fine.
THEN, I realised I’d used the wrong underlying card so I GBIT, only to find out £406 has landed onto the new underlying card. I’m assuming this will be because I’ve sort of gone over the limit, albeit, I haven’t in reality.Is this likely to sort itself out, or will I need to contact Curve support?
I’ve had this happen before. I contacted Curve and they refunded the additional charge.
I’ve rejected curves latest t&c changes namely the severe reduction in fronted allowance for metal card holders. I renewed on an annual subscription in June but don’t have a solution from Curve yet. All support keep saying to me is my ticket is being handled by a specific team which is really busy at the moment. I’m not hopeful of a suitable agreement by reached by Wednesday though and have suggested they leave my limits unchanged until we come to an agreement.
I’ve rejected curves latest t&c changes namely the severe reduction in fronted allowance for metal card holders. I renewed on an annual subscription in June but don’t have a solution from Curve yet. All support keep saying to me is my ticket is being handled by a specific team which is really busy at the moment. I’m not hopeful of a suitable agreement by reached by Wednesday though and have suggested they leave my limits unchanged until we come to an agreement.
The effect of rejecting a contractual notification of changes to terms is the cancellation/closure of your account. The only outstanding issue is whether you will get any refund and the quantum thereof. You aren’t going to obtain some preferential terms while any potential refund is considered as that would breach FCA Principles.
😂 Wouldn’t it be great if we could all reject changes to t&c’s that didn’t suit the consumer.
Indeed. I’ll tell Amex that I’ll keep going to be able to get pro-rata refunds come March!
But have to love the optimism of someone that thinks Curve could even keep track of such a deal.I’ve rejected curves latest t&c changes namely the severe reduction in fronted allowance for metal card holders. I renewed on an annual subscription in June but don’t have a solution from Curve yet. All support keep saying to me is my ticket is being handled by a specific team which is really busy at the moment. I’m not hopeful of a suitable agreement by reached by Wednesday though and have suggested they leave my limits unchanged until we come to an agreement.
The effect of rejecting a contractual notification of changes to terms is the cancellation/closure of your account. The only outstanding issue is whether you will get any refund and the quantum thereof. You aren’t going to obtain some preferential terms while any potential refund is considered as that would breach FCA Principles.
That I agree with, but what is this special department doing? I’d be happy with the refund but they haven’t offered that to me and I don’t agree with them changing the terms mid way through the pre paid contract so it’s a stalemate. What is the FCA principle in this case?
😂 Wouldn’t it be great if we could all reject changes to t&c’s that didn’t suit the consumer.
You can, simple! Life it all about choices. I have never insisted on keeping the product still on the old T&C’s – but if you don’t ask you don’t get!
I believe the email said something like, if you agree to these changes you don’t need to do anything. So if you don’t agree what are you supposed to do? What would you call it? Severance? Reject? Non-acceptance? Either way it means the same thing – termination of the contract.
@Jonathans – the law permits Curve or any other provider to change the terms during the contract period which is most commonly open ended for credit cards as it is for Curve. I’m sure you have seen recent Amex term changes.
It isn’t a one year contract, so on your analysis, a firm could never change any terms. I’m afraid you are banging your head against a brick wall. The changes will happen whether you like them or not. You either accept the new terms or cancel your account; there is no middle way.
When a firm changes the terms, they need to give you sufficient notice (which Curve has) and give you the opportunity to reject those terms by cancelling your account.
The FCA Principle that Curve would breach by offering you preferential terms is 6 – treating customers fairly.
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