Curve card retailer cashback

jcontest

zerog wrote: »

Most credit cards will allow you to withdraw cash via Curve and treat it as a purchase. Tesco and Natwest seem to be the main exceptions so far. Just use an ATM and don't bother with supermarket cashback.

This may change on 25 January.

Never had a problem with Curve cash. I use it to top up Oyster.

Curve changed their T&C a while back and now pass the merchant transaction type back to your card supplier. So you need to be careful as it will look like a cash withdrawal on a credit card (as it is). In the past you could take cash from ATM's with your CC's no issue, but now you will get stung with a charge.


https://support.imaginecurve.com/hc/en-gb/articles/214176825-Can-I-use-Curve-at-ATMs-

Please note that we pass through merchant category code (MCC) information to your card issuer, so they can also see whether or not you have withdrawn cash. Please be aware of cash withdrawal or cash advance fees applicable to your payment card. We recommend checking your card issuer's terms and conditions for whether any fees apply.

Fingerbobs

The_Urbanite wrote: »

Curve is cashback enabled and I have used this function. These transactions show up in the app as ATM transactions so I presume no Curve Cash would be paid if you did this at Tesco or the like.

They don't on mine. The full transaction amount including the cashback appears as a purchase, and comes off Curve's purchase limits, not ATM limits.

jcontest

Fingerbobs wrote: »

They don't on mine. The full transaction amount including the cashback appears as a purchase, and comes off Curve's purchase limits, not ATM limits.

It's not Curve or the Card issuer who decide this. It's the Merchant. But when your at a large supermarket then you can be sure none of the staff know what MCC is, those who do know are unlikely to know what is used when you get out cash with the purchase.


I will be honest and say I haven't tried at my local Supermarket since the changes. But I think that's why the OP put this thread in Stoozing. Because on a 0% purchase card you could - be it slowly, draw out a few thousand a month without paying balance transfer fee's.


It's hard to say what all Curve users get as there is more than one card and all have different bonuses and restrictions. For example, mine is marked as a blue card (it's a black card) and has limits that are somewhere between the old blue and old black. It allows me to buy petrol at self pay pumps, but that's not supposed to be allowed any longer. Mine also works fine at Costco - but I have read that new cards might not work at cash-only merchants.

born_again

Fingerbobs wrote: »

They don't on mine. The full transaction amount including the cashback appears as a purchase, and comes off Curve's purchase limits, not ATM limits.

Cash back @ retailer is not the same as a ATM transaction. It is built into the total debit and uses the type of retailer Catsic code.
Can't split Catsic on transactions. It's one code only.

ATM has a separate Catsic code, as do other cash related transaction Foreign currency, Gambling etc.