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  • HornetBrad 41 posts

    Hi all,

    On my Curve Metal in December, I was charged fronted fees. I’ve analysed my transactions and believe it’s because of this sequence of events:
    Dec 10 – fronted transaction of £5k – no fees applied
    Dec 15 – transaction to a company that accepts debit and credit cards (so shouldn’t have been classified as a Fronted transaction) of £880 – no fees applied
    Dec 20 – front transaction of £5k – fees applied of £13.20 (allowing me to deduce the £880 transaction pushed me over the £10k limit)

    I understand GBiT on a Fronted transaction with fees should refund the fees, but in the above scenario:
    1. If I GBit on the £880 transaction (which has no fees), as this will drop me below the £10k December limit, will it refund the £13.20 fees on the Dec 20 £5k transaction?
    2. If not, do I need to GBit on the Dec 20 £5k transaction to refund those fees?
    3. If yes to Q2, does this then free up £4,120 (£5,000 – £880) of my Front limit for December and how can I utilise this?
    4. How are fees actually refunded, ie do they come back as a different transaction, do they go back to the debit card, how long do they take etc?

    As a side note, the website I spent the £880 on takes debit and credit cards so shouldn’t have been flagged as Fronted but I don’t have the patience to argue – I just want the fees refunded!

    Thanks in advance everybody!

    Carlos 758 posts

    Unlikely to get any refund on fees if you have gone over the 10k limit. Tried once and it didnt refund minus £80 in pocket and loss of points as moved the spend towards a monzo
    You could argue with Curve but by the time you get a meaningful response they will prob be out of market…

    RE: the £880 its irrelevant whether they accept debit or credit it depends on the MCC code

    HornetBrad 41 posts

    Unlikely to get any refund on fees if you have gone over the 10k limit. Tried once and it didnt refund minus £80 in pocket and loss of points as moved the spend towards a monzo
    You could argue with Curve but by the time you get a meaningful response they will prob be out of market…

    RE: the £880 its irrelevant whether they accept debit or credit it depends on the MCC code

    Thanks – according to their guides, I should be entitled to a refund if I Go Back in Time and move the offending transaction to a debit card. What I don’t know is whether this is automatic and whether I can GBiT the transaction that attracted the fee, or just the £880 one to bring me back to my limit.

    Interesting point about the MCC code – this isn’t how it’s marketed by Curve, they promote it as only being classed as Fronted by a provider that doesn’t accept credit cards. Otherwise how would we ever know which MCC they use?

    Carlos 758 posts

    MCC is known by Curve (passed down by CC)
    Give the 880 refund a go, if nothing happens its no point of doing the 5k

    JerrySignfield 101 posts

    Unlikely to get any refund on fees if you have gone over the 10k limit. Tried once and it didnt refund minus £80 in pocket and loss of points as moved the spend towards a monzo
    You could argue with Curve but by the time you get a meaningful response they will prob be out of market…

    RE: the £880 its irrelevant whether they accept debit or credit it depends on the MCC code

    Normally the GBIT is refunded the full amount including fee and then recharged if a debit card without the fee it seems, in your case I don’t think they are going to automatically refund the fee if you get a refund on the £880 transaction.

    The whole Curve fronted thing is a joke, there isn’t a way to tell if a transaction is Curve fronted or not!

    Rui N. 888 posts

    Dec 15 – transaction to a company that accepts debit and credit cards (so shouldn’t have been classified as a Fronted transaction) of £880 – no fees applied

    Fronted has nothing to do with that. It’s whether Curve classified the specific company and MCC as fronted.

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