Virgin Cash Advance fees about to be applied?

[MattB]

JDB wrote:

This thread never ceases to amaze me with endless posts to assist the Virgin Money team to plug the lacunae in the delayed/botched implementation of last year’s T&C changes. While it is a rolling programme, the specificity of posts detailing what types of transaction/MCCs they are currently missing will be manna for this team given the pressure they are under. Congrats.

It laughable that people think it makes any difference, the card companies know exactly what is going on and the extent of it (trust me I work for one). Its just a matter of priority and/or indifference to the scale when it comes to blocking the opportunity. Posting in code or explicit detail on a niche forum in the grand scheme of things makes no difference to their approach.

[Andrew.]

JDB wrote:

This thread never ceases to amaze me with endless posts to assist the Virgin Money team to plug the lacunae in the delayed/botched implementation of last year’s T&C changes. While it is a rolling programme, the specificity of posts detailing what types of transaction/MCCs they are currently missing will be manna for this team given the pressure they are under. Congrats.

What pressure are they under? When I was in implementation, we brought the core banking system down 4 times a year for major upgrades, then had warranty upgrade options the following month to catch anything that didn’t go quite to plan – although we rarely needed to do that.

There are only 9999 MCC codes, the vast majority of which are for general retail, all Clydesdale need to do is correctly identify and program the the relevant chargeable MCCs.

However, it could be that original system was badly coded and there are only a limted number of “slots” available for chargeable MCCs?

[Bella Ciao]

Anyone managed to get their cash fee reversed after going back in time?

[SteveJ]

MattB wrote:

JDB wrote:

This thread never ceases to amaze me with endless posts to assist the Virgin Money team to plug the lacunae in the delayed/botched implementation of last year’s T&C changes. While it is a rolling programme, the specificity of posts detailing what types of transaction/MCCs they are currently missing will be manna for this team given the pressure they are under. Congrats.

It laughable that people think it makes any difference, the card companies know exactly what is going on and the extent of it (trust me I work for one). Its just a matter of priority and/or indifference to the scale when it comes to blocking the opportunity. Posting in code or explicit detail on a niche forum in the grand scheme of things makes no difference to their approach.

What is laughable is that you make the point and miss it all within one paragraph. Limiting the scale by stopping it from coming up in search results is all the code words was ever about.

[MattB]

Do you seriously think the code words helped with that? Its only the people already here who really benefitted and they weren’t exactly hard to crack.

Reddit has millions of people viewing subbreddits related to MS. Plenty of post going back years talking about how to pay their amex via curve.

• This reply was modified 54 years, 4 months ago by .

[SteveJ]

@MattB that’s how search engines work. If the names aren’t mentioned then no results show up. No Joe Public was googling “how to Bend a payment to Solihull”.

[Harrier25]

SteveJ wrote:

@MattB that’s how search engines work. If the names aren’t mentioned then no results show up. No Joe Public was googling “how to Bend a payment to Solihull”.

Just googled that and got the council tax payment page for Solihull Council. So they’re clearly happy to accept payments using Curve! 😂

[MattB]

SteveJ wrote:

@MattB that’s how search engines work. If the names aren’t mentioned then no results show up. No Joe Public was googling “how to Bend a payment to Solihull”.

Yes i know that but what I am trying to say is there is no benefit in talking about bendy and seagulls here when curve and amex opportunities have already been discussed (in plain English and for many years) on one of the worlds most popular sites.

• This reply was modified 54 years, 4 months ago by .

[jj]

Back on topic, a payment using Curve Metal to a long-extinct credit card a couple of days ago shows as a purchase in the app and hasn’t (yet) attracted a fee. There is yet life in the old dog.

[ZW]

Bella Ciao wrote:

Anyone managed to get their cash fee reversed after going back in time?

I used Curve go back in time, original payment was back, cash advance fee didn’t.

[duggie1982]

Barclay Card Avios card, pays Amex bill directly, no cash advance fee and points posted

[Harrier25]

duggie1982 wrote:

Barclay Card Avios card, pays Amex bill directly, no cash advance fee and points posted

I trust Barclays will thank you for making them aware of this missed back door and I’m sure they’ll be slamming it shut in the coming days. 🙄

[duke]

Mr X got a new letter to write.

[duke]

Or apparently they already know and are perfectly happy with it and would love it to be scaled up a couple 100’000 users

[DarrenS]

duggie1982 wrote:

Barclay Card Avios card, pays Amex bill directly, no cash advance fee and points posted

Posted in error

• This reply was modified 54 years, 4 months ago by .

[duggie1982]

I am aware of the issue in letting the world know but I’d rather more people get a small piece of the pie than a select few for long period of time. Sorry if you do not agree 🙂

[Harrier25]

duggie1982 wrote:

I am aware of the issue in letting the world know but I’d rather more people get a small piece of the pie than a select few for long period of time. Sorry if you do not agree 🙂

No I do not agree and neither will many other sensible contributors.

[Optimus Prime]

duggie1982 wrote:

Barclay Card Avios card, pays Amex bill directly, no cash advance fee and points posted

LOL you should’ve told them in person last night at Hfp party.

[Rui N.]

duggie1982 wrote:

I am aware of the issue in letting the world know but I’d rather more people get a small piece of the pie than a select few for long period of time. Sorry if you do not agree 🙂

You’ll see most people will agree if you share something they didn’t know about, but will vehemently disagree if you shared something they were already aware of.

[aq.1988]

I wasn’t aware of this loophole, and I’d be too scared to try tbh.

Do you think BC would revoke any points gained, especially if it was in relation to a SUB?

[petter2]

For those of you who got charged, is the transaction in the app showing as cash or purchase? I did a 6012 charge via curve fronted on Wednesday, and it cleared today without a cash charge, listed as purchase.

[Mankhool]

Maybe its time to move to COT from VA for Curve.

[iEimis]

Paid off an AMEX bill with the underlying VA card a few days back and got hit with £64 cash advance. Used go back in time and will argue with the customer services if necessary. Haven’t received any comms particularly related to cash advance aspect (no email, no letter), otherwise I would have definitely not bothered as 1k or so virgin points is definitely not worth the £64.

• This reply was modified 54 years, 4 months ago by .

[Rui N.]

Didn’t you receive an email last year? That’s the one that matters, as that’s when the t&c changed. The latest one was just a (somewhat odd) courtesy. Can you prove that you didn’t receive such email? Otherwise you won’t go far.

[Harrier25]

Rui N. wrote:

The terms have changed last August, no changes now.

It’s been reported on HfP for a long time the Virgin have been charging cash advance fees for topping up Revolut etc. Why people think that using Curve Metal excludes them astounds me. Probably something to do with the Curve marketing, which they should’ve had their knuckles rapped for a long time ago. As far as I’m concerned Curve have been promoting points recycling for years, which makes their involvement in the Creation mess even more sickening.