Curve Card

WillPS

I've had 3 transactions from May 1st hit my Tesco Premium Credit Card, no cash fee applied that I can see. Seems to be limited to Natwest/RBS.

OceanSound

faddy wrote: »

..Neither do they say "We are not responsible if Tesco put up the price of fish" but that doesn't make them responsible if Tesco do.....

Great analogy!, we really are comparing apples and haddock this morning!.

Penelopa.Pitstop

I checked Curve card transactions, did only 2 in April and was not charged extra by Barclays. Both transaction classed as Services.

SnowTiger

stevenhp1987 wrote: »

Have you read previous replies?

They can only charge based on what Curve tell them... and the merchant code recently changed from "services" to "purchase cash value load" and some banks will consider that a cash advance (prime example is RBS).

This means that since the change, banks are not aware they have paid for a "service" but think they have loaded cash... Some banks have therefore charged all Curve transactions as Cash Transactions (as the merchant code is a cash transaction code).

I've read all messages in this thread. Have you?

The poster I replied to was referring to a transaction made on 1st May.

A previous poster mentioned the 'change' you referred to happened on 24th April and was reverted on 26th April.

1st May is five days after 26th April.

faddy

jcontest wrote: »

I have had a reply from them and I paste it below.
My name and agents name have been removed, it seems to clearly explain the problem, shows others spotted/reported it, and shows that they have fixed it.
It does sound like the fix might take time to filter down.




Glad we didn't drop £600 at Costco or anything because that 3% fee I pay would have stung. Hope no one else is out of pocket due to this.





As I am not clued up on when this code is passed (purchase time from merchant, processing from processor, or held on bank system), then I would probably make sure a test transaction doesnt incur a fee before you use it a lot.

You'd think that for something so central to their business model Curve might have done a little more research before making the initial change.

stevenhp1987

SnowTiger wrote: »

I've read all messages in this thread. Have you?

The poster I replied to was referring to a transaction made on 1st May.

A previous poster mentioned the 'change' you referred to happened on 24th April and was reverted on 26th April.

1st May is five days after 26th April.

Checking my transactions...

1st May still showing as stored value card purchase... From May 2nd onwards is back to services.

I guess it's now finally filtered through and should be fixed moving forward. Making such a change can sometimes take a few days to filter through several systems.

scragend

Does Curve work OK on London Underground, in terms of daily capping?

I'm going to London for the weekend and planning on using my Curve card for travel as a contactless card (rather than getting an Oyster card). I'm assuming the system will see it just as one debit card, despite all the back end jiggery-pokery that might go on.

Chino

scragend wrote: »

Does Curve work OK on London Underground, in terms of daily capping?

This implies Curve is accepted on London Underground:
https://support.imaginecurve.com/hc/en-gb/articles/214601865-TFL-says-I-went-to-Victoria-Street-but-I-haven-t-travelled-there

WillPS

jcontest wrote: »

Just a heads-up on this in case anyone is a big spender.
I have my Curve card linked with my NatWest Rewards card and I now seem have paid a 3% "Cash Fee" to NatWest for my last Transaction on the Curve card!


I have been using it for a while, some Merchant readers will not take the card (but if you ask to try on a different machine it sometimes works) but other than that I have had no issue, and I have had nearly 100 transactions with the thing and never been billed an extra bit.


I worry that NatWest has started doing this through fear of people cycling cash, but to be caught offguard can be quite bad as it means that I could have been hit with £30-£40 of fee's if I keep using it.


Going to reach out to NatWest tomorrow to see if all transactions will now be viewed as cash, if so then that makes this card nearly useless.


The charge in question is exactly 3% of my last transaction and on the same day that the transaction hit the account, no other transactions hit. The fee itself is generated by NatWest, not Curve. No other transactions are on my NatWest card other than the Curve entries.

This seems to now be happening on Tesco Credit Cards.- a load of Cash fees have hit my account for transactions from June 1st onwards.

WillPS

Apparently Tesco Bank have sent a letter out explaining that all Curve transactions will now be charged as cash. Anyone else received those letters?