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Curve are getting rid of Black legacy and making those card holders curve black without any monthly payment.
Are there any major implications with this?
EDIT: Ignore me, I have the e-mail. Most noticeable thing for me is currency conversion being capped at £2k per month. I doubt I ever really get near that, but worth noting.
This looks too good to be true, what’s the catch?
I’m guessing that the catch is a fee will be along at some point.
I’ll miss Curve legacy despite not using it since Creationgate.
But I did like the name. So much more catchy than “HSBC Premier (retained Jade benefits)“
Looks like we have some limits that we didn’t before but not in area where I usually come close. We also get some free fronted transactions each month, £1000 to be exact. It’s this paragraph that has me intrigued?
On another note, we’ve noticed you were wrongly charged certain fees while on the Black Legacy plan. To correct this, we’ll refund the full amount charged, along with an additional 8% interest, directly to your Curve Cash account. This refund will be processed automatically within 60 days from this email, so you don’t need to do anything.
I haven’t received the email yet but happy days, although Curve Legacy already seems to be following the same terms as Black since the changes in November apart from the 1% chosen retailer cashback.
As far as I am concerned, it’s a downgrade.
Look at what happens to the core, historical features of Curve once you go from Legacy to Curve Black. We get screwed on both home and foreign withdrawals, as well as on currency conversion. The latter two being the very things I got the card in the first place.
As per the “too good to be true”, it’s actually a win win situation for them. We weren’t paying monthly fees anyway. So they are not losing anything by “upgrading” us for free to Curve Black. But they get to charge other fees to those of us we make an intese use of the card (read: me).
Never made much out of cash back, really.
There is a comparison table between Curve Legacy and Curve Black here: https://curve.com/en-gb/legal/terms-black-legacy/
But the cash withdrawal limit has been £500 a month on Curve Legacy since mid November. I know because I fell foul of that limit at the end of November and incurred a small charge when I withdrew £600, but didn’t when I withdrew the same amount during October.
Looks like we have some limits that we didn’t before but not in area where I usually come close. We also get some free fronted transactions each month, £1000 to be exact. It’s this paragraph that has me intrigued?
On another note, we’ve noticed you were wrongly charged certain fees while on the Black Legacy plan. To correct this, we’ll refund the full amount charged, along with an additional 8% interest, directly to your Curve Cash account. This refund will be processed automatically within 60 days from this email, so you don’t need to do anything.
Last year I got a refund on something I originally put through Fronted and they charged me the Fronted fee to receive the money back again – I wonder if it’s that, in my case.
Re cash withdrawal, its so long since I’ve done this, does Virgin charge? Also MBNA (the cash back one that was originally BMI)?
Thanks in advanceHaving had time to digest the email, from a personal perspective the only downside is the £2000 a month conversion limit but I can’t remember the last time I used that much? The small upside is £1000 fronted a month, I’ll need to investigate if I can actually use this.
I was converted from Legacy Black to Black a few years ago (still free of charge). I can access the £1000 Fronted but have never been able to get cashback. I seem to be in some weird state in the app where some things it sees me as Black and others it tells me I need to upgrade to Black.
I wonder if this change will mean we all get the same features moving forward.
The small upside is £1000 fronted a month, I’ll need to investigate if I can actually use this.
Yes you can, and it’s been available to Curve Black Legacy users since mid November.
94 posts
Re cash withdrawal, its so long since I’ve done this, does Virgin charge?Unfortunately since recently, yes.
@Harrier25 Thanks, I meant actually working out where I can use it?
Ahh, sorry. Will leave you to make that very important decision then, so not to alert people I wish not to. 🙂
Is there a date for this? Would be nice to use that Fronted allowance to pay for SA.
The current Legacy plan shows 2.5% fee in the Curve app when enabled!
Thanks
Linked to DJ’s post above, and potentially a bit of a noob question, but I’m looking to use my new found fronted allowance to pay HMRC. I have a bill to pay which I can split in to £1,000 chunks, however Curve rejects the transaction unless fronted is turned on. Sure enough it goes through fine when fronted is switched on but the charge on the underlying card is pending as £1,025 – so the 2.5% fronted fee has been applied.
Have I made a silly error or will Curve correct the pending charge to remove the fee before it settles through on my underlying card?
This happened to me the first time. If you email support@curve.com they’ll refund the charge
I’m Curve Black (was Legacy). When I pay £1000 at HMRC, HMRC charge me £1.10 fee then I get a 3p charge for Fronted – so total is £1001.13
I’ve never had to have payment corrected it’s usually very clear.
I’m Curve Black (was Legacy). When I pay £1000 at HMRC, HMRC charge me £1.10 fee then I get a 3p charge for Fronted – so total is £1001.13
I’ve never had to have payment corrected it’s usually very clear.
Do you have to have fronted on before the transaction goes through?
I’m Curve Black (was Legacy). When I pay £1000 at HMRC, HMRC charge me £1.10 fee then I get a 3p charge for Fronted – so total is £1001.13
I’ve never had to have payment corrected it’s usually very clear.
Do you have to have fronted on before the transaction goes through?
Yes, it’s definitely a Fronted transaction. It says so and charges me 3p for going over the £1000 limit.
Just received this email from Curve…
It’s the end of an era – and the start of an even better one. We’re moving all Black Legacy customers onto our premium Curve Black plan for free. No monthly fees. No strings attached. You’re getting all the perks of Curve Black without spending a penny. As someone who has backed Curve since the beginning – you deserve it!
With a premium Curve Black plan, you can start earning 1% cashback at 6 retailers of your choice, use Curve Fronted for free, withdraw more money abroad without fees, and loads more.
This change will happen automatically on 9 September 2024. No need to order a new card – you can keep the one you have already.
We’ll let you know when you’ve been moved to a Curve Black plan so you can choose your cashback retailers and make the most of your new premium plan.
Just had the email along with £22 of refunded fees as Curve cash, just transferred those straight to an Amazon gift card. Considering the card cost me £50 how ever many years ago I think I’ve done pretty well.
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