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Forums Payment cards Other payment cards Curve changes from November 10th

  • Reney 755 posts

    This just happened to me and thought I share to warn others. These are my fronted payments, assume my cycle started on 20 Dec. For context, I did a spent on 9th Jan and didn’t realise it would be fronted so got charged 13p instead. It was my mistake so no problem with that.

    I have a spreadsheet that counts 31 (one extra just in case) days after my payment. Given I paid for my mistake, I assume I can start again with £400 today (31 days after 20 Dec). I just made the payment and got charged a 13p fee. That is the same fee as my errand £5 payment. So my running allowance appears to include the £5 which I was charged for!! I left them a message complaining.

    I think I understood the allowance correctly, and this is their bad coding. I have not seen any comments of a similar nature (someone in the article yesterday mentioned getting lots of FX fees but he was going way above the monthly limits it is difficult to think it is the same issue). But wanted to check and I guess warn people too.

    20/12/2023 400
    28/12/2023 500
    29/12/2023 600
    31/12/2023 700
    02/01/2024 600
    04/01/2024 200 – accumulative £3000
    09/01/2024 5 – charged 13p fee
    20/12/2024 400 – charged 13p fee

    slidey 287 posts

    Beware declined transactions on fronted. Had a transaction declined, so sent it through again, which worked. Except the declined transaction + the transaction that worked breached the fronted limit so fees were added to the second transaction, even tho the first transaction had shows as declined as soon as it had been attempted. I would contact their CS but probably wouldnt get a reply til march.

    pointsnail 2 posts

    where do the fees for exceeding your fronting limit get charged and when – paid £10000 to HMRC in January – didnt see the reduction to £3000 before fee

    Reney 755 posts

    where do the fees for exceeding your fronting limit get charged and when – paid £10000 to HMRC in January – didnt see the reduction to £3000 before fee

    After you approved your transaction directly on to your card. So instead of a 10k transaction you should see 10,175.

    NPWharf 20 posts

    This just happened to me and thought I share to warn others. These are my fronted payments, assume my cycle started on 20 Dec. For context, I did a spent on 9th Jan and didn’t realise it would be fronted so got charged 13p instead. It was my mistake so no problem with that.

    I have a spreadsheet that counts 31 (one extra just in case) days after my payment. Given I paid for my mistake, I assume I can start again with £400 today (31 days after 20 Dec). I just made the payment and got charged a 13p fee. That is the same fee as my errand £5 payment. So my running allowance appears to include the £5 which I was charged for!! I left them a message complaining.

    I think I understood the allowance correctly, and this is their bad coding. I have not seen any comments of a similar nature (someone in the article yesterday mentioned getting lots of FX fees but he was going way above the monthly limits it is difficult to think it is the same issue). But wanted to check and I guess warn people too.

    20/12/2023 400
    28/12/2023 500
    29/12/2023 600
    31/12/2023 700
    02/01/2024 600
    04/01/2024 200 – accumulative £3000
    09/01/2024 5 – charged 13p fee
    20/12/2024 400 – charged 13p fee

    They need to put the fronted spend data in the app so you can see how much you’ve spent, what have left and how long before you can make your next payment. I find the rolling 30 days so much more annoying that per calendar month.

    BBbetter 625 posts

    They need to put the fronted spend data in the app so you can see how much you’ve spent, what have left and how long before you can make your next payment. I find the rolling 30 days so much more annoying that per calendar month.

    How will they earn money from loss making customers like us then?

    pointsnail 2 posts

    Looks like they haven’t charge me a fee for exceeding limit of curve fronted
    I’d better keep quiet and keep to the new limit

    Reney 755 posts

    Curve has come back to me and said all fronted transaction count towards the allowance whether you paid a fee or not. I’m not going to spend more time fighting for 13p, but just thought I would share the outcome.

    redethernet1 83 posts

    Worth noting that you cant change your 12 cashback partners after selecting them

    rams 223 posts

    Interesting. One brother’s card works, but my other brother’s did not and same issue though the 3DS came.

    Other brother’s card worked last night. Very odd

    Nepweno 12 posts

    Curve has come back to me and said all fronted transaction count towards the allowance whether you paid a fee or not. I’m not going to spend more time fighting for 13p, but just thought I would share the outcome.

    I got caught out missing that tax free childcare is now under the fronted rules and so breached my limit. Assume the word tax in the title is the issue. Anyway I then assumed that my limit was available again only to be charged.

    This is crazy if you spend £3k on the 1st of the month and then pay the fee to spend £3k on say 29th of the month which will then mean no fee free until 30th of the following month!

    Jonathans 121 posts

    I think the same rule applies for commercial funding cards. Got caught out yesterday thinking it was £3k limit like fronted, but no its only £1500. A week away from the limit resetting, paid the fee and looks like I’ll now have to wait 30 days again. All getting a bit too complicated now for me.

    Toaster 104 posts

    It does not make sense that if you pay a fee on fronted that this counts towards the fee free allowance. You could in theory only get the free allowance once if you continually make a E3k fronted purchase every 29 days.

    ben10 21 posts

    Anyone know what happens if you go back in time and move the paid for Fronted transaction to a fee-free card? You get the Fronted charge ‘refunded’ but what does it do to the rolling 30 days?

    0 post

    Anyone know what happens if you go back in time and move the paid for Fronted transaction to a fee-free card? You get the Fronted charge ‘refunded’ but what does it do to the rolling 30 days?

    GBIT to a debit card and the original transaction is refunded in full.

    0 post

    Anyone know what happens if you go back in time and move the paid for Fronted transaction to a fee-free card? You get the Fronted charge ‘refunded’ but what does it do to the rolling 30 days?

    GBIT to a debit card and the original transaction including fronted fee is refunded in full.

    ben10 21 posts

    Yup, aware of that. Just wondering if it resets the clock for the £3k limit even if you GBIT?

    Anyone know what happens if you go back in time and move the paid for Fronted transaction to a fee-free card? You get the Fronted charge ‘refunded’ but what does it do to the rolling 30 days?

    GBIT to a debit card and the original transaction including fronted fee is refunded in full.

    Toaster 104 posts

    GBIT to a debit card should mean that the transaction is no longer counted as fronted as you do not need fronted if using a debit card as the underlying payment card.

    S879 95 posts

    Went over my £3000 limit. Paid £250 towards my Amex bill and got charged £256.25 with £6.25 fronted fee. Went back in time and used a debit card. It is now showing £250 when I click on my linked debit card, but when I click the £250 transaction, it says £6.25 Curve fronted fee underneath £250. What does that mean? Do I still get charged the £6.25?

    0 post

    Went over my £3000 limit. Paid £250 towards my Amex bill and got charged £256.25 with £6.25 fronted fee. Went back in time and used a debit card. It is now showing £250 when I click on my linked debit card, but when I click the £250 transaction, it says £6.25 Curve fronted fee underneath £250. What does that mean? Do I still get charged the £6.25?

    The charge and note of fronted transaction still appears for information purposes I guess, but does refund in full to a debit card!

    Reney 755 posts

    What amount is showing in your debit card and refunded to your credit card?

    illuminatus 3 posts

    I know the insurance is no longer available, but for claims prior to 31/12 – what’s the actual policy re gadgets? Are they covered when on trips only, or also when you are not travelling?

    JDB 4,339 posts

    I know the insurance is no longer available, but for claims prior to 31/12 – what’s the actual policy re gadgets? Are they covered when on trips only, or also when you are not travelling?

    Covered any time; you didn’t need to be on a trip.

    a15z 1 post

    Went over my £3000 limit. Paid £250 towards my Amex bill and got charged £256.25 with £6.25 fronted fee. Went back in time and used a debit card. It is now showing £250 when I click on my linked debit card, but when I click the £250 transaction, it says £6.25 Curve fronted fee underneath £250. What does that mean? Do I still get charged the £6.25?

    Can you confirm you were only charged 250£ on your debit card in the end ?

    SteveJ 977 posts

    Any non metal user seeing a massive advert for Curve Metal’s cashback on their Wallet page on the app? Can’t seem to get rid of it to see any of my underlying transactions.

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