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I take it you consider Amex also to be an ‘enabler’ – they use the fees that respectable customers pay year in year out to reward churners and retention seekers, something that has the effect of reducing benefits and customer service to the core customer. They have peculiar reasons for allowing it, but this would appear to fit your ‘enabler’ description
100% Amex have been an enabler. Historically a 6 month gap between applications to gain sign up bonuses, now 2 years but a clear path to gaining maximum benefit. Also, paying 10s of 1000s of points regularly for renewal bonuses etc. How has that not been enabling such behaviour? I’m not saying it’s right to do it, but it has been facilitated by Amex.
You understand there are many millions spent on acquisition of new customers but the cheapest method of holding and growing your user base is to STOP people leaving.
They are just using a marginal / dynamic pricing approach like the utilities companies have for years. The mugs pay full price and get the least benefits those with enough sense to not just pay the advertised fee years on end for nothing get something to persuade them to stay. In reality there is less spent on fixed marketing as you’re chasing fewer new customers.
I take it you consider Amex also to be an ‘enabler’ – they use the fees that respectable customers pay year in year out to reward churners and retention seekers, something that has the effect of reducing benefits and customer service to the core customer. They have peculiar reasons for allowing it, but this would appear to fit your ‘enabler’ description
100% Amex have been an enabler. Historically a 6 month gap between applications to gain sign up bonuses, now 2 years but a clear path to gaining maximum benefit. Also, paying 10s of 1000s of points regularly for renewal bonuses etc. How has that not been enabling such behaviour? I’m not saying it’s right to do it, but it has been facilitated by Amex.
I’m glad that you put Creation and Amex in the same enabler basket although the distinction I was trying to draw was that Creation became, to use your word, enablers by naivety/incompetence whereas for Amex it is entirely deliberate, in fact purporting to be some sort of strategy.
I find it surprising that Creation is still painted as the bad guy when in fact it was a tiny number of cardholders who abused the product and ultimately caused a useful travel points card to be closed down. A few abusers destroyed the card forever for the other 90+% in their pursuit of large short term personal gains. How these people aware ever lauded as some sort of heroes or hapless victims of an evil company is beyond me; they are hardly like the sub-postmasters who were genuine victims of a rotten culture.
Creation are the bad guy because as in your worlds creation punished everyone not just the 10%. They closed down everyone that used Curve, it did and still had many genuine uses, not just the few that abused it.
Creation are the bad guy because as in your worlds creation punished everyone not just the 10%. They closed down everyone that used Curve, it did and still had many genuine uses, not just the few that abused it.
I’ve repeated this many times during creation-gate but it wasn’t just people using and abusing with Curve. I did not have my IHG card linked to Curve, in fact I’d abandoned Curve more than 18 months previously as they were an incompetant mess.
I used my IHG card pretty sparingly, just for normal hotel bookings and occasional purchases that wouldn’t take Amex and they still closed mine down and stiffed me out of 29 points that were due.
@davefl anyone who ever had a CRV* transaction on their card were shut down. It didn’t matter if you stopped using it. Hence Creation will always be the bad guys it was a terrible way to treat your customers.
@davefl anyone who ever had a CRV* transaction on their card were shut down. It didn’t matter if you stopped using it. Hence Creation will always be the bad guys it was a terrible way to treat your customers.
@TGLoyalty – yes, as @davefl say it’s simply not correct to say that everyone who used Curve with their Creation card had their accounts closed or that non Curve holders escaped. I don’t know why this myth keeps on being repeated. Many Curve users kept their accounts and non Curve holders had their accounts closed. Obviously many of those who had their accounts closed did have a Curve card but a core, but not sole issue was taking excessive cash advances/cash type transactions. Once the management discovered the extent of the abuse they had little choice but to have a wide cull that inevitably caught a number of innocents in the net. It’s not uncommon in multiple situations for innocent people to get tarred with the same brush as the serious dodgepots.I also used the IHG card with curve and still have the Creation card. I didn’t abuse it though.
Yeah baby where is mr X
@JDB ofcourse its creation we are talking about so I’m sure they believe they did get everyone but is their incompetence to deliver a process really a big surprise 😂
They did have a choice .. the choice was to to stop the transactions by hitting users with large fees or banning altogether like other card issuers did. Instead they chose a sledgehammer to crack a nut.
@brassneck many many people claim they didn’t abuse it and were shut down … you were just lucky enough to escape Creations account/transaction look up.This invitation for a follow up questionnaire received today:
Hello!
Welcome to the newest activity on the IHG One Rewards Community! In a recent Quick Poll, you mentioned you either had in the past, or are open to getting in the future, an IHG co-branded credit card.
For today’s activity, we are looking to understand the types of benefits you’d like to see if a co-branded partnership were to return.
The activity should take about 15 minutes to complete, and you’ll receive 2,500 points for completing it.
Please reach out with questions.
Thanks!In the above questionnaire I was asked for feedback on my previous experience of the Creation IHG card (very poor customer service and an overly sensitive security algorithm that regularly blocked my card) as well as ideas for future premium £200 annual fee and a basic free credit card benefits. It really looks as if IHG are seriously looking at the relaunch of UK credit cards in the not so distant future….
…and that can only be good news!
…and that can only be good news!
Sounds like it. I think Rob made a comment on the BAPP article yesterday.
IHG (and Hilton) getting cards will be great. More options the better
This is about the third survey they’ve done in a year or so, can’t imagine it’s launching imminently
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