Virgin Cash Advance fees about to be applied?

[Guernsey Globetrotter]

CarpalTravel wrote:

I for one am really looking forward to reading the tweet to Richard.

Surely that should be ‘the tweet to Beardy’ 😉

[Daiboy1980]

Guernsey Globetrotter wrote:

Totally agree – this is more likely to result in a full account audit and closure rather than you getting any refund.

I’ve benefited to the tune of 350k+ points over the last couple of years doing the revolutionary shuffle and when I got hit with a £125 cash advance fee in July, on my regular £2.5k cycle, I just took it on the chin and moved on. Had a few good trips on VS metal out of those plus the 2-4-1 vouchers and more to come.

The last thing you should be doing is drawing attention to unusual patterns of transactions if you want to hold onto your VS card – you would be wise to look for other opportunities instead!

Fully agree with this poster. I have had multiple NYC UC trips, numerous 2-4-1 vouchers, and a load of points to half the price of my holiday. I got stung last month for £285, however, although annoying, I do not want to push my luck. I have done very very well out of this to date, and will accept my penance and move on.

Interesting to see the outcome of your complaint.

[NorthernLass]

Anyone else withdrawn their £200 Curve cash recently?

[Rui N.]

£100 ATM on 08 August, no fee.

[Rui N.]

Just got my statement today, and zero fees on 2x£100 ATM transactions this month.

[NorthernLass]

Thanks, need to visit the ATM today as the electrician is asking for cash! It’s like pre-pandemic times.

[Tracy]

Can confirm HMRC payments do not attract a fee or interest, my July statement has been generated and paid….3 separate HMRC payments near end July 2022….

[Daiboy1980]

Tracy wrote:

Can confirm HMRC payments do not attract a fee or interest, my July statement has been generated and paid….3 separate HMRC payments near end July 2022….

Well, that is a most welcome turn up for the books!

[Tracy]

@Daiboy1980 Yes it is! I might even keep the card if HMRC remains lol.

[NorthernLass]

I thought ours got refused when we paid back the child benefit. Maybe that was Che though?!

[Rui N.]

Tax free childcare works fine, no fees and no need for fronted.

[HfP2022New]

First post, also have been severely stung for fees for PayPal transactions.

Having read the full thread, has anyone found an effective alternative to Curve or PayPal?

[tomtom135]

I got stung too by the new fees for a Curve fronted transaction. Normal transactions seem to go through fine. Was only a matter of time really, I suspect some people were royally tacking the mick to the extent they felt they needed to do this so fair play to them. Have cancelled my VAPP.

[harg]

I can confirm that both ATM and various HMRC payment transactions through July and August 2022 have not attracted a cash advance fee.

HMRC appears as TAX PAYMENTS
ATM appears as PROFESSIONAL SERVICES NOT ELSEWHERE CLASSIFIED

Neither immediate advances nor end of month statements show these.

[Harrier25]

harg wrote:

I can confirm that both ATM and various HMRC payment transactions through July and August 2022 have not attracted a cash advance fee.

HMRC appears as TAX PAYMENTS
ATM appears as PROFESSIONAL SERVICES NOT ELSEWHERE CLASSIFIED

Neither immediate advances nor end of month statements show these.

Expect fees to be applied in future now you’ve broadcast it on a public forum. You lot never learn!!

[Jonny]

Just paid £5000 of a VAT bill using Virgin via Curve Metal.

There was (for the first time) a fee added to the £5000 (from, I assume, the underlying Virgin card).

I immediately used the “Go Back in Time” function on Curve and put the payment through my Barclaycard Avios card instead. No fee added.

[can]

Would it also work if I pay player 2’s hmrc bill with my bendy metal + virgin?

[The Urbanite]

Jonny wrote:

Just paid £5000 of a VAT bill using Virgin via Curve Metal.

There was (for the first time) a fee added to the £5000 (from, I assume, the underlying Virgin card).

I immediately used the “Go Back in Time” function on Curve and put the payment through my Barclaycard Avios card instead. No fee added.

Was that the 1.5% Curve fronted fee? This is added the the amount charged to the underlying credit card at the point of making the transaction if you’ve topped about £10k in fronted transactions for the month.

[sturgeon]

There’s a lot to read here. Just checking, I’d Curve entirely dead with Virgin? Was looking into getting one for a trip to the UAE.

[Harrier25]

sturgeon wrote:

There’s a lot to read here. Just checking, I’d Curve entirely dead with Virgin? Was looking into getting one for a trip to the UAE.

For general day to day spending and the odd cashpoint withdrawal Virgin is fine with Curve, for money recycling, such as paying off other credit cards, then it’s a Big no go!

[Jonny]

The Urbanite wrote:

Jonny wrote:

Just paid £5000 of a VAT bill using Virgin via Curve Metal.

There was (for the first time) a fee added to the £5000 (from, I assume, the underlying Virgin card).

I immediately used the “Go Back in Time” function on Curve and put the payment through my Barclaycard Avios card instead. No fee added.

Was that the 1.5% Curve fronted fee? This is added the the amount charged to the underlying credit card at the point of making the transaction if you’ve topped about £10k in fronted transactions for the month.

No, it wasn’t the 1.5% Curve fronted fee (I hadn’t spent anywhere near the £10K limit). The fee was, I think, a cash advance fee from Virgin.

[rahaney]

@jonny – I’m afraid even using GBIT you won’t get the cash advance fee refunded – plenty of us have been stung on this in the last few months

[Alex]

Interesting that there are no fees with £200/month Curve ATM withdrawals. Surely they have some internal way to avoid this gets passed through to the underlying card as the cash transaction.

[Chas]

Alex wrote:

Interesting that there are no fees with £200/month Curve ATM withdrawals. Surely they have some internal way to avoid this gets passed through to the underlying card as the cash transaction.

Sshhhh! Please….. Comments like yours don’t help in keeping opportunities open.

[Jonny]

rahaney wrote:

@jonny – I’m afraid even using GBIT you won’t get the cash advance fee refunded – plenty of us have been stung on this in the last few months

Yep, you’re right. Damn!