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

  • ben10 21 posts

    Just noticed when booking a Ryanair flight (ex-UK in £), that they wanted to apply a card processing fee for using Curve Metal, but no fee for using Virgin Mastercard. Don’t think that was the case last time I booked.

    No fee applied for ex-EU € return flight using Curve (through ApplePay).

    Assume becuase of where Curve card is issued?

    WTL 5 posts

    Have been using the free £1k fronted on legacy black for the past few months now until the last few days where I have been charged (definitely over the 30 day cycle, tried each day to make sure).

    Was it a bug to have received £1k free fronted prior to this? Saw in previous terms for legscy black that it was part of the changes but I can’t seem to find that anymore now.

    S879 95 posts

    Almost ready to cancel Curve. Is there any other way I can get something back for paying Amex bill with a debit card? If not Curve, what debit card do people use to get some reward as direct debit doesn’t give anything.

    Toaster 104 posts

    Almost ready to cancel Curve. Is there any other way I can get something back for paying Amex bill with a debit card? If not Curve, what debit card do people use to get some reward as direct debit doesn’t give anything.

    No debit card rewards for paying credit card bills.

    Tesco clubcard pay+ might work for HMRC.

    Jill Kinkell 155 posts

    I’ve got a curve card linked to my barclaycard and now pay monthly to allow fee free forex as we are travelling.
    We are currently on a cruise( mixed feelings about this one) and the finance folk have Curve details. However, the cruise line has taken “a pre-authorisation “ of USD $150. This has now appeared on my Barclaycard as an actual purchase .Not Pending , but an actual charge now in GBP and is on my Barclaycard cc bill like all other items! Cruise line say they never charge until final day. I have this dread of being charged twice. Anyone able to comment / have experience of this?
    ( by the way , have no issues with pre authorisations as they always state ‘pending’ then drop off)

    NorthernLass 7,472 posts

    Hi @Jill, do tell us more about the cruise! I’ve heard of hotels taking “pre-authorisations” which are actual payments and then they refund them at the end of the trip/deduct it from the final bill, though you sometimes hear of people complaining (e.g. on TA) that this has taken weeks or months. I don’t know if this is the case with cruise companies. I’d ask whoever deals with payments on board to clarify and hopefully put your mind at rest.

    In fact, I recall one TA post where someone had had a pre-authorisation/charge of $00’s which took her up to her credit limit so she couldn’t use her card while she was away – I would avoid such a property!

    JDB 4,339 posts

    @Jill Kinkell – as a (pretend) debit card Curve can’t properly cope with pre-authorisations and that is the same with any debit card. There is simply no way for Curve to put a ‘block’ or ‘hold’ on a sum of money and then take the actual amount days later. They either take the money or they don’t.

    That’s why most car hire companies insist on a credit card rather than a debit card for the excess hold.

    The only way round is to put the pre-authorisation on a credit card and then use Curve for the actual payment.

    strickers 657 posts

    I’ve got a curve card linked to my barclaycard and now pay monthly to allow fee free forex as we are travelling.
    We are currently on a cruise( mixed feelings about this one) and the finance folk have Curve details. However, the cruise line has taken “a pre-authorisation “ of USD $150. This has now appeared on my Barclaycard as an actual purchase .Not Pending , but an actual charge now in GBP and is on my Barclaycard cc bill like all other items! Cruise line say they never charge until final day. I have this dread of being charged twice. Anyone able to comment / have experience of this?
    ( by the way , have no issues with pre authorisations as they always state ‘pending’ then drop off)

    I’ve had it a few times, it usually reverses itself after a few days. Send Curve CS a message, they might respond before it reverses.

    Jill Kinkell 155 posts

    Thanks all. Much appreciate your thoughts.
    Cruise is SIN-HKG. Much busier than any we’ve done before ☹️ and full of Brits🙁 more so than on any other trips. If this was our first cruise I’d not be inclined to cruise again. However, time of year and Chinese New Year have not helped sensible numbers in any of our shore visits. Anyway, it’s warm 😁

    Alex 46 posts

    I wanted to shift some money spend from one card to another and went back in time with my November ATM withdrawals, and out of the blue was hit by a new 2% fee applied by Curve (not underlying card). Initial transaction was £300, new GBIT £306. Waiting for Curve to respond to my questions.

    Rui N. 828 posts

    It’s not exactly “out of the blue”. The fee-free ATM amounts changed, if you have the free card, there is no fee-free amount at all now.

    Alex 46 posts

    It’s not exactly “out of the blue”. The fee-free ATM amounts changed, if you have the free card, there is no fee-free amount at all now.

    I have Metal. Never thought that the fee can be applied retrospectively and, moreover, Metal allowances have increased.

    roger 232 posts

    Curve Metal go back in time limit is 120 days.
    Is it irrespective of amount or limited to say £1000 maximum per GBIT transaction?

    Toaster 104 posts

    Curve Metal go back in time limit is 120 days.
    Is it irrespective of amount or limited to say £1000 maximum per GBIT transaction?

    £5k per transaction in the app. For larger amounts contact support.

    puccibuy 7 posts

    Help! Me and player 2 both have just received KYC from NS&I asking to explain source of funds. I only use NS&I once a month, £3k now, via curve. I withdraw when funds become available.

    I don’t fancy both or us getting banned from using NS&I!!

    Ergh

    JDB 4,339 posts

    Help! Me and player 2 both have just received KYC from NS&I asking to explain source of funds. I only use NS&I once a month, £3k now, via curve. I withdraw when funds become available.

    I don’t fancy both or us getting banned from using NS&I!!

    Ergh

    Are you surprised by any of this? The nature of the transactions you describe will trigger internal AML warnings even if you aren’t money laundering as velocity is an important indicator. The nature of the transactions will also likely trigger a SAR to protect NS&I’s position, and although it’s unlikely to go anywhere it will still sit in the background. Curve obviously prohibits cash recycling, so they too will become unhappy soon once alerted.

    Skywalker 693 posts

    Help! Me and player 2 both have just received KYC from NS&I asking to explain source of funds. I only use NS&I once a month, £3k now, via curve. I withdraw when funds become available.

    I don’t fancy both or us getting banned from using NS&I!!

    Ergh

    I didn’t even know the Curve/NS&I rinse was a thing and I can see how it will just look like money laundering.

    They’re asking for source of income, so if you work, just tell them that you work and if they ask your salary, tell them your salary and if you have other income, just tell them what other income you might have coming in.

    That’s all you can tell them.

    Whatever NS&I does next with that information is whatever NS&I does next!

    Harrier25 849 posts

    You play the game, you take the risk. Constantly withdrawing all funds as soon as they become available probably wasn’t the brightest thing to do, as that comes with a high percentage that you’ll stand out from the crowd.

    NorthernLass 7,472 posts

    Best to try and leave 3-6 months between withdrawals, though it’s probably only a matter of time before the remaining routes are closed anyway! And if/when Curve loses any more value, that game is over.

    sin47uk 2 posts

    Hello

    I thought I would ask here as I may get a quicker response than from Curve.
    I have the free Curve card. I am waiting delivery of Barclaycard this week which I will use for a purchase. If I make the purchase now via Curve, then when the Barclaycard arrives can I then add that as second card and use Go Back In Time to move the purchase to Barclaycard?

    Thanks

    points_worrier 293 posts

    Hello

    I thought I would ask here as I may get a quicker response than from Curve.
    I have the free Curve card. I am waiting delivery of Barclaycard this week which I will use for a purchase. If I make the purchase now via Curve, then when the Barclaycard arrives can I then add that as second card and use Go Back In Time to move the purchase to Barclaycard?

    Thanks

    Yes. But if it is a sufficiently big purchase you are deliberately waiting for a card, remember you will lose section 75 protection by using curve. Which you may want for the larger purchases.

    rob-london 20 posts

    Been thinking about the ‘value’ of paying for Metal again, I downgraded a couple of months ago following the changes, but miss the doubling up opportunities. If I go for it, I am paying £180/year and could quite easily put £3k/month in Fronted and £1k/month in UK ATM withdrawals (charged to a earning underlying card) so worst case, 48k avios/year = £0.004 per Avios.

    Think it makes sense?

    phantomchickenz 294 posts

    Been thinking about the ‘value’ of paying for Metal again, I downgraded a couple of months ago following the changes, but miss the doubling up opportunities. If I go for it, I am paying £180/year and could quite easily put £3k/month in Fronted and £1k/month in UK ATM withdrawals (charged to a earning underlying card) so worst case, 48k avios/year = £0.004 per Avios.

    Think it makes sense?

    What would you do with the ATM cash? I’ve been wondering the same and a bit concerned that depositing £1k/month back into a bank account might look suspicious, and spending it defeats the purpose if the spend would otherwise be on a credit card. Plus there’s the hassle of three separate ATM transactions a month due to the £400 limit per withdrawal

    NorthernLass 7,472 posts

    Any instance where cash is acceptable and credit cards not. You can pay it into a credit card account instead of making a bank transfer. Use it to buy foreign currency if you’re going to need cash abroad. If you have people (especially teenagers) who are at the stage where money is more useful to them than actual gifts, pop it in their cards at Xmas/birthdays/weddings. Give some to homeless people/charities. It’s easier than you might think! And £400 is not my experience.

    *Obviously only if you’re going to hand deliver the cards, don’t send cash in the post!

    QwertyKnowsBest 301 posts

    Hi @Jill, do tell us more about the cruise! I’ve heard of hotels taking “pre-authorisations” which are actual payments and then they refund them at the end of the trip/deduct it from the final bill, though you sometimes hear of people complaining (e.g. on TA) that this has taken weeks or months. I don’t know if this is the case with cruise companies. I’d ask whoever deals with payments on board to clarify and hopefully put your mind at rest.

    In fact, I recall one TA post where someone had had a pre-authorisation/charge of $00’s which took her up to her credit limit so she couldn’t use her card while she was away – I would avoid such a property!

    I had same, on a cruise and also one hotel in SA. Sorted itself when released later as a refund. Something to do with Curve as a debit card and pre-authorisations if I remember correctly. Refunds came through when home, cruise line said they do a ‘sweep’ on accounts post cruise to ensure charges correct.

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