The HfP chat thread – Friday 12th February

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• MKB says:

  12 Feb12 February 12:12

  Two-factor authentication (TFA) is now required when I sign on to my Amex accounts, but oddly not my partner’s.

  Yesterday, I checked the box to say that I trusted my device, so that it would no longer be required when using that device. Today, I have to use TFA again from the same device.

  Don’t you just love Amex’s IT!

  • Rob says:

    12 Feb12 February 12:26

    Same here – my wife has it but not me.

  • Jay says:

    12 Feb12 February 12:28

    +1 When trusting and naming a device it then throws up an error or just keeps on asking at every log in.

  • ChrisC says:

    12 Feb12 February 13:08

    My MBNA card has 2FA but it states that if you clear cookies you need to do it again.

    So did you clear your cookies?

    • MKB says:

      12 Feb12 February 13:22

      No

• Anna says:

  12 Feb12 February 12:22

  On the subject of the HH card, my new one has just arrived. Current one expires this month so I was starting to get a bit twitchy given all the recent card changes ….

  • Russ says:

    12 Feb12 February 12:32

    Bet you were, we all are. It’s a real useful card.

  • Brighton Belle says:

    12 Feb12 February 12:59

    Us dumb ones that didn’t apply for that card are patiently waiting for a second coming . . . which seems to have been cancelled

• Paul says:

  12 Feb12 February 12:34

  Data point – I have just noticed horizon mbna only giving me 2.71 Barbados Dollar to GBP. Curve gives me 2.77. I always assumed Horizon would be same as curve, or better.

  • Roberto says:

    12 Feb12 February 12:38

    Was it on the same day and time?
    Fx rates could of changed if not.

    • Paul says:

      12 Feb12 February 12:45

      Yes. I checked dates around too and same. Been very little fluctuation in exchange rate.

  • Travel Strong says:

    12 Feb12 February 13:35

    “Curve in the week, Horizon on the weekends”. ~ my fx spend motto.

    • Paul says:

      12 Feb12 February 13:43

      I’m getting 2.72 at weekends so interestingly curve coming out top at weekends too. Also did a test on UK bank debit card (barclays and hsbc) and get 2.65.

      • Travel Strong says:

        12 Feb12 February 13:51

        Interesting – I thought this would make it more expensive:

        “If you make a withdrawal or purchase over the weekend and Curve performs a currency conversion, we’ll use the rate from Friday and apply a surcharge as the Forex markets are closed. The weekend counts as Friday 23:59 GMT – Sunday 23:59 GMT.

        For transactions where both the transaction and the underlying payment cards are in GBP, USD or EUR, the foreign exchange fee will be 0.5%. For all other currencies, the foreign exchange fee will be 1.5%.”

        • Paul says:

          12 Feb12 February 14:44

          that tallies then. a drop from 2.77 to 2.72 equates to 1.5% charge. Still cheaper than Horizon.. just.

  • YC says:

    12 Feb12 February 14:30

    I find curve to be more ‘live’ pricing. Other cards are closer to the standard mastercard/visa interbank rate (end of data pricing?)

    • Harrier25 says:

      12 Feb12 February 17:57

      Would be interesting to see how Revolut and Starling stack up on the Exchange Rate. When I visited Madeira on October last year, I found that Curve was a few Euro cents better than Starling, which surprised me.

• Grant says:

  12 Feb12 February 13:02

  Virgin miles / voucher query – if my wife and I both have a voucher each sitting in our FC accounts can they both be used on the same booking, for a family of four, for example?

  A further linked question, if we are able to do that, can we supply the miles unequally from both accounts? I have a large balance of miles whereas my wife only has a smaller balance.

  Thanks

  • Paul says:

    12 Feb12 February 13:22

    They have done this for me in the past, but I think it may depend you you speak to.

  • ChrisC says:

    12 Feb12 February 13:32

    They can and have done it where they can ‘charge’ an entire sector to an individual account but not pool your points (though I think golds can pool)

    So say you needed 200k for 4 * 50k sectors they could charge you 150k and her 50k (assuming you each had more than that) but not if you had 175k and her 25k

  • BLT says:

    12 Feb12 February 15:18

    I had 3 vouchers in my account. Booked return UC to MIA for family of 4. They were happy to use all 3 vouchers to upgrade 3 of us from PE to UC and the 4th paid full points. This worked out better than 2-4-1.5 and only using 2 vouchers.

• NC says:

  12 Feb12 February 13:03

  So do we have any more certainty yet about which types of transactions the HH card is no longer awarding points for? Some recent comments suggested Ernie via Bendy was no longer earning points. But what about our favourite 6012s?

  • Paul says:

    12 Feb12 February 13:23

    I used curve backed by hilton barclaycard last month and got points.

  • Bigmaggot says:

    13 Feb13 February 16:14

    No problems with points here 😉

• Dan says:

  12 Feb12 February 13:32

  Hi Rob,

  You wrote a vcouple of years back about the Vueling card offered in France. I have just had a letter saying that the partnership between Avios and Sofinco (the issuer) will be ending on 10 April with the cards being dead from that point.

  Is a bit of a disappointment, at 0.8 avios per EUR it matches Amex in France but is much cheaper (EUR 24 per year vs 5 pcm for Amax Blue and has been a nice little earner.

  Weirdly the cards are still showing on Sofinco’s website. I always wanted to get the premium BA one which I think you also did an article about at some point but I guess it was not allowed to have both BA and Vueling cards at once (I applied several times and never recieved the card or notice that I had been refused).

  Fingers crossed for a new Avios offer here in the near future!

• Benilyn says:

  12 Feb12 February 13:50

  Been a while since a verified a Creative card on bendy. Does the C-XXXX code appear with the X’s on the bill in a few days, or do you need to call up to get them? Right now it is Pending CRV*Card verific

  • TJ says:

    12 Feb12 February 15:25

    It appears after a few days when you log into creation.

• EvilGazebo says:

  12 Feb12 February 13:55

  Question: I have an IHG booking in the summer made using a UK IHG MasterCard free night voucher

  • EvilGazebo says:

    12 Feb12 February 13:57

    Fat fingers…. The event we were attending has been rescheduled – if I cancel the booking the voucher is lost right? It looks like I can move the date online but only in the same or next month?

    • EvilGazebo says:

      12 Feb12 February 13:58

      Not doing well with this post 🥺 Meant to say the voucher expired end of 2020.

      • Optimus Prime says:

        12 Feb12 February 14:01

        IF the voucher expired the only way to keep it is contact the hotel and ask them to move the dates (assuming you still want to go there once you can travel again).

        • EvilGazebo says:

          12 Feb12 February 14:11

          Thanks I’ll give that a go

        • Benilyn says:

          12 Feb12 February 14:32

          Some chance hotel will not want to move it given expiry date on the voucher, let us know how you get on.

        • TGLoyalty says:

          12 Feb12 February 21:04

          Unfortunately they’ll say they can’t move it.

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