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So it seems nothing has changed in the app as yet, still shows 10k fronted limit.
I am considering spending 3k and then turning off fronted or just using the underlying cards until it becomes clearer what Curve are doing…
Perhaps a 3k transaction and then another for £10 to see if a charge is applied might be useful. In theory though that would be my whole fronted limit for 30 days….It’s now changed to £3,000 per calendar month (for metal), which makes no sense. Given I spent £10,000 at the beginning of the month, I assume I need to wait 30 days (or next month ?) before I can spend again.
In my curve app it now shows “2.5% fee above £3k per calendar month” in the fronted section but under account and manage your plan it shows “fee free for the first £3k per rolling 30 days”
I have used £10k of fronted between November 1st and 10th. Did a fronted transaction now and was charged a fee of 1.5% which is from the previous terms.
Inconsistent?
Wonder have they screwed up the wording, saying £3000 per calendar month”, no mention of rolling 30 days.
My app has updated now to show 2.5% above 3k. I did a 1k transaction before it updated with fronted and wasn’t charged a fee.
Between 1st of this month and the 14th I did over 30k of fronted with no fees, I am assuming that my allowance therefore has been used up and any further fronted with be at 2.5%.
Inwill try a £10 fronted and report backSays fee free for the first £3000 in any 30 rolling period on mine.
Says per calendar month on mine
They can’t apply that retrospectively before the new terms came in on the 15th though surely
Says per calendar month on mine
Even if it does say that, so what? You know what the terms are with effect from today.
Says per calendar month on mine
Even if it does say that, so what? You know what the terms are with effect from today.
Au contraire. Curve have changed the new terms several times since the first iteration. Why should anyone assume they that haven’t again if the app clearly says it is per calendar month?
Personally, I wouldn’t push it myself, and couldn’t be bothered to chase any refund for a fee charged through MCOL, but I can understand someone believing it was what the app said.
@Peter K – the revised terms have not changed since v3 on 15 September. The OP clearly knows what the new terms are; it’s just a cry for attention/rabble rousing.
What exactly is the claim at MCOL you are suggesting someone could make? It’s just too ridiculous.
in the plan mine says rolling 30 days but where you switch fronted on says per calendar month. They are so incompetent haha
in the plan mine says rolling 30 days but where you switch fronted on says per calendar month. They are so incompetent haha
Yes, it’s a bit incompetent. People also complain about Amex, which has vastly greater resources, being incompetent – it happens.
If anyone believes they have been financially disadvantaged by Curve’s error, they can complain and escalate to the FOS/MCOL if they so wish in order to get compensated for any loss. I’d love to read these complaints.
I don’t think that anyone is claiming financial disadvantage. It would be nice to know when I can use fee free fronted without having to resort to trial and error.
My Legacy Black still stays the same, with the unlimited FX transactions. I thought it was going to change too?
claiming
Exactly this. The terms are as clear as mud so trying to work out what’s what as no one likes surprise fees they weren’t expecting.
Curve has been a fantastic product and has given me thousands of pounds in hotel points, avios, nectar etc etc. I’m on a holiday now and the hotel has literally been paid for by usage of Curve…
Im dissapointed as it seems the gravy train is coming to an end but no complaints from me whatsoever!
Curve has been a fantastic product and has given me thousands of pounds in hotel points, avios, nectar etc etc. I’m on a holiday now and the hotel has literally been paid for by usage of Curve…
Exactly that. One wonders why they couldn’t simply implement a limits graphic (like they have for ATM usage and Card usage) specifically for Fronted. It would be so useful!
The terms seem very clear. The only matter that isn’t clear is whether you get an additional £3k from today or whether any Fronted spend prior to today is counted in the 30 rolling days. I’m not sure where the idea of £10k + £3k in the transition month came from, but I don’t believe it comes from Curve, but rather some optimistic punters.
Presumably anyone determined to get the max out of Fronted would have done £10k on 1 November and at worst only have wait a couple of weeks to do £3k. If someone did £10k yesterday, more fool them.
Curve is also very generous in refunding fees unlike credit cards which don’t refund cash advance fees even if you GBIT.
It just seems like a fuss about nothing.
You do realise there are curve accounts where the limits are much much higher? I mean 7.5k daily, 150k rolling…
These are the accounts that are able to MS to the tune of hundreds of thousands of avios a month. Amex gets paid off by another cc which gets paid off by another. I know of an individual that amassed a million IHG points in a matter of months. It’s the main reason why Creation pulled their IHG card.
If the curve changes were just reducing 10k down to 3k I don’t think anyone would be discussing it at all!
You do realise there are curve accounts where the limits are much much higher? I mean 7.5k daily, 150k rolling…
These are the accounts that are able to MS to the tune of hundreds of thousands of avios a month. Amex gets paid off by another cc which gets paid off by another. I know of an individual that amassed a million IHG points in a matter of months. It’s the main reason why Creation pulled their IHG card.
If the curve changes were just reducing 10k down to 3k I don’t think anyone would be discussing it at all!
The changes that came into effect today relate to the Fronted limit being reduced from £10k monthly to £3k per rolling 30 days. I am quite aware that the daily limits for transactions that don’t require Fronted are much higher. I, like many people, have £15k/£150k/£1.6m limits but nothing has changed in respect of those, so I’m not sure what you are complaining about.
The FX free limits have also moved up to being seven days a week and unlimited, subject to fair use.
I know of an individual that amassed a million IHG points in a matter of months.
When was that? Three years ago?
Anyone who can MS hundreds of thousands a month now should keep quiet about it as it shouldn’t be possible with the restrictions on fronted spending.
@johnwillis1986, I think we all know that person! It was the demise of the Creation credit card rather than any changes to Curve which terminated that goose of the shiny egg-laying skills.
Is no-one talking about how atm withdrawals are now £1k, so another way to get good old points
Is no-one talking about how atm withdrawals are now £1k, so another way to get good old points
No, they aren’t talking about that or the higher FX limits (and now seven days a week) either because it seems deeply unfashionable on HfP to say anything positive about Curve. It seems rather churlish after about seven years of delivering excellent returns for Avios collectors and others.
Actually, the cash withdrawal limit has been spoken about. And a certain person bangs on about the larger FX amount enough for several of us combined.
But the real risk of being questioned about money laundering if you suddenly started trying to bank £1k of cash a month was also mentioned and that’s at least partially why it’s “unfashionable”.
I also find many do speak positively of curve, but are also well aware of it’s negatives as well. But to admit that wouldn’t be fashionable for certain members of this community 😉
I was getting the 🍿 after reading the comments earlier, but this takes the 🍰.
You do realise there are curve accounts where the limits are much much higher? I mean 7.5k daily, 150k rolling…
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