Last day to buy Hilton Honors points with a bonus

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• Donnie says:

  7 Jun7 June 06:49

  My Lloyd’s Avios card has now blocked curve transactions charging to it. Making my curve card completely redundant. Curve customer service quick to respond but can’t do anything to sort it

  • Gavin says:

    7 Jun7 June 07:40

    Curve CS can’t but Lloyds CS can, it’s because all transactions from Curve start with CRV and this can be flagged as fraud.

    • Julian says:

      7 Jun7 June 08:57

      My first transactions with Curve at a B&M store (who don’t take Amex any more) and a £200 withdrawal from a NatWest cash machine have both come through correctly on my Lloyds Avios Duo Mastercard online statement with the usual retailer description prefixed by CRV*

      Also I wonder if Donnie’s Curve card was actually blocked by Lloyds for use with his Avios Duo Mastercard or if he possibly has the virtual Curve Rewards card in the Curve App as if this does not have sufficient Reward credit to cover the transaction he was making then the transaction would be refused.

  • the real harry1 says:

    7 Jun7 June 07:49

    I still can’t see the point of Curve for me – I don’t make HMRC payments which would have been about the only positive. I don’t need the convenience of only carrying one card in my wallet, that’s an inconvenience AFAIAC (various card meltdowns spring to mind). I don’t need £200 ATM withdrawals/ month, I rarely use cash & as manufactured spend (say) £200 that’s only 25 Clubcard points/ month, now ruled out, or £200 towards Lloyds upgrade, now ruled out. I have a better card to use abroad (Clarity) and many of you will soon have the best card to use abroad (Horizon). No S75 protection. I can pay nearly every bill on Amex or Paypoint Amex, the few who refuse Amex (BT, SKY) take Tesco credit card, so no Curve advantage. Mastercard: Priceless. Curve: Pointless.

    HMRC payments would be the big plus for others, but does that even work any more?

    • TGLoyalty says:

      7 Jun7 June 07:57

      If you know you know ????

      In general you are probably right. I like being able to carry a single card and chose which one lies underneath.
      Good for reoccurring bills which don’t take AMEX too.
      Can lock the card easily
      See the amount youve just spent instantly pop up on phone screen.
      @ 1% abroad I’m OK buying some virgin miles or IHG/Hilton points

      • Alan says:

        9 Jun9 June 09:23

        Agreed. I also find Back in Time very handy when moving spend between cards.

    • Rob says:

      7 Jun7 June 08:24

      HMRC is fine, paid £1100 PAYEyesterday.

    • Julian says:

      7 Jun7 June 09:04

      DVLA road fund licence (mine is £230 or so) is another possible use but of course may also be rejected by the same HM Government payment system (but for what reason).

      Also payment of road fund licence by debit card is not guaranteed to work without fail every single year like a direct debit is as the issue of a replacement card being issued (at least every two or three years or if lost or stolen or damaged) will mean the payment mechanism needs to be set up again.

      As sneaky penalty issuing loving DVLA does not send out any paper reminder for the annual renewal if you have Direct Debit set up (having also done away with the windscreen reminder disc) this could be quite dangerous and end up with your car getting clamped,

      • Alan says:

        7 Jun7 June 09:57

        Paid for my Road fund licence with AMEX yesterday. Didn’t need the curve

      • Julian says:

        8 Jun8 June 12:28

        Wow are DVLA taking Amex now as well as Visa and Mastercard? Will contact DVLA today and try and set this up before my renewal later in the month.

        Also if DVLA can afford 0.3% or so payment cost then why can’t tight fisted HMRC? I say this speaking especially as someone who’s mother died last October and where due to her unwillingness to engage in avoidance measures (which the parents of nearly everyone else I know seem to have been all too keen to do) we are shortly going to have pay HMRC several hundred thousand pounds of IHT. Of course this amount would still be way beyond the payment capabilities of Curve in any case.

    • Evan says:

      7 Jun7 June 09:05

      And what did that bring to the table?

    • Anna says:

      7 Jun7 June 09:22

      Why is Lloyds upgrade ruled out, have I missed something?

      • the real harry1 says:

        7 Jun7 June 18:42

        Somebody said Lloyds cards were refusing payments thru Curve, could easily be a one off I suppose, in which case MS £200/ month—> Lloyds upgrade target could still be useful for those that use them. I don’t as I think that’s a bit pointless in Europe, only place we fly for now.

        Anybody recently had success with ATM withdrawal —> Curve —> Lloyds companion card?

    • Dave says:

      7 Jun7 June 10:49

      I agree with you on this – really struggling to see the upsides given the reliability issues that are being reported in the comments and the lack of support for Amex.

      Though evidently it suits a lot of folk and any innovation is always a good thing!

      Wonder of Tesco will slap the same charges on Apple Pay or PayPal for example (they obviously won’t…) And, if not, why not?

      • Alex W says:

        7 Jun7 June 11:09

        For me there are lots of retailers that don’t take Amex. Sometimes I ask why and they say too high %. By using Curve I can then have the smug/retaliation factor of saying “by the way that MasterCard I used will charge you an even higher %”.

      • Jon says:

        7 Jun7 June 13:43

        @Alex W; but it doesn’t? Merchant pays the standard Mastercard fee?

      • Alex W says:

        7 Jun7 June 21:42

        I still have the business version of Curve.

• Matthew Roberts says:

  7 Jun7 June 07:33

  Has anybody managed to get Tesco’s to refund the cash advance charge

• Sharon says:

  7 Jun7 June 07:39

  Re curve/tesco – have been charged cash fees on all transactions since 1st June. Have ‘gone back in time’ and changed them to a Lloyds card. The transactions have been reversed but the fees are still showing. Anyone else had Tesco refund them?

  • Andrew says:

    7 Jun7 June 07:48

    I spoke to Tesco about this and they said the fees would stay. I guess it kind of makes sense if you accept that they are cash transactions (which they clearly aren’t!). If you withdrew cash and then paid it back to the card a dew days later, that’s still been a cash advance.

    But at least going back in time removes the cash balance and the interest charges will be lower. Very frustrating for me as I got the Tesco card because I had a couple of tight cashflow months!

    • Andrew25 says:

      7 Jun7 June 08:41

      The only way to change Tescos hard stance on charging is for people to vote with their feet. If Tescos see a big increase in people cancelling their cards due to the Curve transaction charges then they may think again.

      There are much better reward cards than the Tesco portfolio of cards anyway!!

      • Rob says:

        7 Jun7 June 08:45

        Curve can simply change their merchant code to one that Tesco is not blocking, although it isn’t quite that simple as their are rules on what code you need to use.

    • dlwcmotd says:

      7 Jun7 June 09:20

      That’s annoying! I’ve just timetravelled all my transactions hoping it would reverse the large value of cash transaction fees Tesco had stuck me with following a week in an expensive European city with everything paid for via Curve.
      It’s the final nail in the coffin for Tesco as far as I am concerned.
      Does anyone know how interest works on transactions that Tesco have decided are cash advances? I’ve already overpaid my Tesco card to make sure the balance is below £0 so hopefully at the worst it’s a few days interest which still leaves me in credit overall.

      • Andrew says:

        7 Jun7 June 11:25

        It may differ between people but it’s accrued daily at 30% APR for me. So around 0.07% of the outstanding cash balance per day.

• Anna says:

  7 Jun7 June 07:39

  Martin Lewis is on Good Morning Britain warning of negative changes to Tesco Clubcard deals…

  • Anna says:

    7 Jun7 June 07:53

    Though actually it’s only the delayed changes from earlier in the year.

    • the real harry1 says:

      7 Jun7 June 08:25

      Big positive – Redspottedhanky goes to 3x, joining the select few offering real 3x value vs Avios – Uber/ Ubereats, Eurotunnel.

      All those eating deals going 4x —> 3x raised a lot of hot air from the numpties 🙂 but weren’t particularly special in the first place.

• Federico says:

  7 Jun7 June 07:50

  Re the Tesco-Curve situation. I usually use it for big transactions – inc paypal payments – because I have 0% till 2019.

  Last Sunday I found myself to have only the curve card with me and I charged my Tesco but then straight away moved those charges to a debit card with the function “back in time”.

  Now I have the 2 charges for the shop on the statement then reversed straight away, and also the cash fee withdrawal for those 2 which fortunately is just £1 in total.

  Talking to Tesco they have said that it’s curve giving wrong type of transaction to them..

  I hope that I’m not going to lose my promotional rate for this mistake and what’s Curve going to avoid this happening in the future with other cards?

  • Andrew says:

    7 Jun7 June 08:35

    I asked Tesco and they said cash advances won’t impact my promotional rate. I’m hopong they weren’t mistaken… anyone disagree?

  • Andrew25 says:

    7 Jun7 June 08:43

    Nonsense. Dump Tesco!

• Nick_C says:

  7 Jun7 June 08:20

  I’m finding Curve extremely useful.

  I have had a number of big transactions declined recently and couldn’t understand why. I finally realised I was very close to my 30 day limit, and these transactions would have taken me over that limit. Worth remembering to check your limits if you are being declined!

• Louie says:

  7 Jun7 June 08:24

  Please could someone jog my memory as to whether there are bonus points for adding a first supplementary cardholder on an SPG Amex card. Thanks!

  And on that subject, do we know of any rumours about the future of the SPG card?

  • Mark2 says:

    7 Jun7 June 09:05

    no bonus

  • Peter K says:

    7 Jun7 June 10:08

    No bonus sadly.

• Mikeact says:

  7 Jun7 June 08:30

  I’ll try my TBS credit card with Curve later today, for my monthly £200 cash withdrawal, and report back. (ps And TSB would never be my bank account in a million years.)

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