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I’m really late to this party
Good God man, late? We’ve all gone home with our party bags!
Just be mindful if on Black Legacy, the cash withdrawal limit is £500 per 30 rolling days, as I discovered this afternoon, when I was charged £2 for going £100 over.
Sorry, just noticed that your name is @misslondon. Whoops, sorry I called you a man.🫣
Isnt it promising to hear these horror stories and then read an article that Curve are launching as a credit card of their own soon
What horror stories? People not being able to MS as they please? Yes, I’d like to do it, but not exactly a horror story.
Anyway, they already launched the credit card. Only for customers with commercial cards for now.What additional features/limits does the new curve credit card have?
Googling didn’t help much.Did the frontend allowance reset with the new terms?
I thought a few people posted that the fronted (sic) allowance reset on the 15th? Regardless, of course, of whenever you start using it again you’ll have to wait 30 days for it to reset.
Reset is Day 31.
Does it not depend whether you count your spend day as day one or the day after? But anyway, timeanddate.com works it out for you!
Paid £10k to HMRC yesterday. Got charged £10,175 to my metal curve card.
So I paid £10k to HMRC yesterday. I didn’t realise these changes had come in. HMRC received £10k and my metal Curve card has been charged £10,175.
This, combined with them taking my annual fee only a couple of months ago, leaves me rather miffed.
Anyway, I can either fight it, or I can move on with my life. I’ll be cancelling it anyway as I have absolutely no idea what possible use a metal Curve card has, other than to pay people like HMRC. It’s basically just Apple Pay isn’t it?
It was fun while it lasted. Flying my family of four to to the other side of the world and back in business class, courtesy of my tax bills, has been one of life’s little wins.
@Bunky1981 – I’m not sure what you are planning to fight, but if you don’t like the fee you can GBIT to a debit card and the fee will be reversed. Curve isn’t Apple Pay at all. You can still do Fronted up to £36k pa, so earning 54k Avios if you have Barclaycard Avios Plus for the annual fee now increased to £180. You also get free FX subject to fair use indicated at £100k pa and various insurances. Like most cards, it works for some but not others.
More changrs afoot. Just had this in an email from curve saying they are scrapping insurance but increasing the number of outlets you can get the 1% c4shback from:
As a premium customer, we want you to feel like you’re truly getting value from Curve. And we’re always looking for ways to create the most convenient and rewarding ways for you to spend and manage your money.
Over the past few months, we’ve been digging into our premium benefits and asking you what you value most about Curve.
Turns out, cashback is your favourite premium benefit by far. And, you’ve told us that many of you already have insurance with one of your banks or credit card providers. In light of this, we’ve decided to terminate our embedded insurance and enable you to earn more cashback on your everyday purchases, making Curve an even more rewarding way to pay.
Double up on cashback 💰💰
To give you more of what you love, we’re doubling the number of cashback retailers you can choose from, so you can earn more cashback from Curve on top of any rewards you already get with your banks or credit cards.
Curve Black customers can earn 1% cashback from 6 retailers of their choice.
Curve Metal customers can earn 1% cashback from 12 retailers of their choice.In January 2024, you can choose your new set of cashback retailers. This is a great chance to change your current retailers if you want to switch things up.
We’ve also added hundreds of new retailers across the UK and Europe to maximise your cashback and we’re working on expanding rewards further in the coming weeks – watch this space.
When?
As of 31 December 2023, you will no longer be insured under your Curve premium plan. Our insurance partner AXA will continue to service all eligible claims for incidents preceding this date, as long as they are submitted in accordance with the applicable insurance terms and conditions.
Do I need to do anything else?
Not right now. Your insurance cover will stop automatically on 31 December and we’ll get in touch in January when you can choose your new cashback retailers. Additionally, we are working on functionality to enable you to change your selected retailers from time to time.
New Subscription Schedule
In order to reflect the changes in this email, we have updated our Subscription Schedule. Please click here to read through the new version that will apply as of 1 January 2024.
More changrs afoot. Just had this in an email from curve saying they are scrapping insurance but increasing the number of outlets you can get the 1% c4shback from:
As a premium customer, we want you to feel like you’re truly getting value from Curve. And we’re always looking for ways to create the most convenient and rewarding ways for you to spend and manage your money.
Over the past few months, we’ve been digging into our premium benefits and asking you what you value most about Curve.
Turns out, cashback is your favourite premium benefit by far. And, you’ve told us that many of you already have insurance with one of your banks or credit card providers. In light of this, we’ve decided to terminate our embedded insurance and enable you to earn more cashback on your everyday purchases, making Curve an even more rewarding way to pay.
Double up on cashback 💰💰
To give you more of what you love, we’re doubling the number of cashback retailers you can choose from, so you can earn more cashback from Curve on top of any rewards you already get with your banks or credit cards.
Curve Black customers can earn 1% cashback from 6 retailers of their choice.
Curve Metal customers can earn 1% cashback from 12 retailers of their choice.In January 2024, you can choose your new set of cashback retailers. This is a great chance to change your current retailers if you want to switch things up.
We’ve also added hundreds of new retailers across the UK and Europe to maximise your cashback and we’re working on expanding rewards further in the coming weeks – watch this space.
When?
As of 31 December 2023, you will no longer be insured under your Curve premium plan. Our insurance partner AXA will continue to service all eligible claims for incidents preceding this date, as long as they are submitted in accordance with the applicable insurance terms and conditions.
Do I need to do anything else?
Not right now. Your insurance cover will stop automatically on 31 December and we’ll get in touch in January when you can choose your new cashback retailers. Additionally, we are working on functionality to enable you to change your selected retailers from time to time.
New Subscription Schedule
In order to reflect the changes in this email, we have updated our Subscription Schedule. Please click here to read through the new version that will apply as of 1 January 2024.
A truly dead product for me, maybe a lot of people have insurance benefits (namely phone insurance for me specifically) with other providers, but I do not. That alongside the fronted limit reduction is enough for me to cancel. I get 1% cashback from pretty much everywhere using Chase without having to pay for it.
Just what I was about to say. The £3,000 fronted allowance generating 4,500 avios per month + the mobile phone insurance was still worth keeping it for me. However, with the insurance now dropping off, I think that’s my trigger for cancelling.
More changrs afoot. Just had this in an email from curve saying they are scrapping insurance but increasing the number of outlets you can get the 1% c4shback from:
As a premium customer, we want you to feel like you’re truly getting value from Curve. And we’re always looking for ways to create the most convenient and rewarding ways for you to spend and manage your money.
Over the past few months, we’ve been digging into our premium benefits and asking you what you value most about Curve.
Turns out, cashback is your favourite premium benefit by far. And, you’ve told us that many of you already have insurance with one of your banks or credit card providers. In light of this, we’ve decided to terminate our embedded insurance and enable you to earn more cashback on your everyday purchases, making Curve an even more rewarding way to pay.
Double up on cashback 💰💰
To give you more of what you love, we’re doubling the number of cashback retailers you can choose from, so you can earn more cashback from Curve on top of any rewards you already get with your banks or credit cards.
Curve Black customers can earn 1% cashback from 6 retailers of their choice.
Curve Metal customers can earn 1% cashback from 12 retailers of their choice.In January 2024, you can choose your new set of cashback retailers. This is a great chance to change your current retailers if you want to switch things up.
We’ve also added hundreds of new retailers across the UK and Europe to maximise your cashback and we’re working on expanding rewards further in the coming weeks – watch this space.
When?
As of 31 December 2023, you will no longer be insured under your Curve premium plan. Our insurance partner AXA will continue to service all eligible claims for incidents preceding this date, as long as they are submitted in accordance with the applicable insurance terms and conditions.
Do I need to do anything else?
Not right now. Your insurance cover will stop automatically on 31 December and we’ll get in touch in January when you can choose your new cashback retailers. Additionally, we are working on functionality to enable you to change your selected retailers from time to time.
New Subscription Schedule
In order to reflect the changes in this email, we have updated our Subscription Schedule. Please click here to read through the new version that will apply as of 1 January 2024.
A truly dead product for me, maybe a lot of people have insurance benefits (namely phone insurance for me specifically) with other providers, but I do not. That alongside the fronted limit reduction is enough for me to cancel. I get 1% cashback from pretty much everywhere using Chase without having to pay for it.
Without the insurance Curve Metal is basically worthless. Does this change give us the right to cancel?
Does anyone actually use curve cashback, like ever?
Does anyone actually use curve cashback, like ever?
Ever shop at Amazon, or Sainsburys? Then you’d be a fool not to.
I have collected over £120 in 10 months, lets not forget that this cashback is in addition to whatever you collect with the underlying card (Avios, in my case). Options are a plenty – 3.5% cashback on Argos purchases, with a further 10% cashback via completesavings, plus Avios from the payment card. I find it staggering that people give up collecting this easy money so freely.
Whilst I am not at all happy about the changes, it is very myopic of people to say it is a dead product.
The lower Fronted limits wouldn’t on their own kill this for me, but coupled with the move to a rolling 30 days it does. I’ve generally used Curve for everything where Amex wasn’t accepted and haven’t had to put much thought into it. While you could still get £36k though it in a year, that involves planned spend rather than just using the card, with the added bonus of potential fees if you mess up. If they show the fees in the app as part of the transaction approval popup then it’s still usable, but without that it’s dead for me.
You can always use Go Back in Time to put the spend which incurred a fronted fee back onto a debit card.
Without the insurance Curve Metal is basically worthless. Does this change give us the right to cancel?
It may be worthless to you but that doesn’t mean the product is worthless or dead and its death has been reported for years. I think that Curve is probably right in suggesting that the insurance they offer is often just replicating policies people already have.
I’m not happy the phone/gadget insurance has gone but I’m still getting 54,000 Avios/year and very simple free FX (plus Avios on the underlying card) up to £100k for £180/year which represents fair value for me. I have never used the cash back so maybe I will look at that again.
I have collected over £120 in 10 months, lets not forget that this cashback is in addition to whatever you collect with the underlying card (Avios, in my case). Options are a plenty – 3.5% cashback on Argos purchases, with a further 10% cashback via completesavings, plus Avios from the payment card. I find it staggering that people give up collecting this easy money so freely.
Yes, I bought an iPhone from Argos in the Black Friday sale last week; got something like 5x Nectar points on the Argos transaction, 10% from TopCashback, 3% or so from Curve (I have the legacy black card), another 3% or so from Airtime Rewards, and the Avios from the Barclaycard Avios Plus card. While most of the Curve “always active” cashback offers these days on the Legacy Black card are for retailers I’ve never heard of, there are still a few decent ones, and they sometimes have decent extra cashback offers too.
If only the Curve app would actually let me view the rewards section… contacted their support and they said they were “aware” of a few users having issues with their new design. I have to click a link in one of their promotional e-mails to get the rewards part of the app to open, there’s simply no link inside the app.
So I paid £10k to HMRC yesterday. I didn’t realise these changes had come in. HMRC received £10k and my metal Curve card has been charged £10,175.
This, combined with them taking my annual fee only a couple of months ago, leaves me rather miffed.
Anyway, I can either fight it, or I can move on with my life. I’ll be cancelling it anyway as I have absolutely no idea what possible use a metal Curve card has, other than to pay people like HMRC. It’s basically just Apple Pay isn’t it?
It was fun while it lasted. Flying my family of four to to the other side of the world and back in business class, courtesy of my tax bills, has been one of life’s little wins.
Quick question. Was fronted turned on? Did it show you the amount incouding the £175 fee before it went through? I always assumed that without fronted turned on, it cannot take a fee but I may have this wrong.
You can always use Go Back in Time to put the spend which incurred a fronted fee back onto a debit card.
I’ve lost track, is GBIT still limited? I tried to GBIT some Fronted transactions earlier this year, and apparently the amounts were too high – it was limited to £1k or something like that
When I looked it up, it said you could do it but for over £5k you’d have to ring them.
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