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Curve card is great for paying HMRC bills.
My question is – if you have a tax bill in excess of £3,000, is there any way round the curve transaction fee and still being able to pick up points?
You don’t need to pay it in one go. We divide it up.
As @can2 says, you have to split the payments across months – don’t leave more than a 3k balance remaining come the month payment is due..
Thank you. I hadn’t considered that this could be split up.
It requires being relatively on the ball though!
Why do Curve have such a low threshold?
Thank you. I hadn’t considered that this could be split up.
It requires being relatively on the ball though!
Why do Curve have such a low threshold?
It was abused by a few in the past. The limit was 10k until last Nov if i remember correctly. Someone has to pay for all those losses.
Why do Curve have such a low threshold?
Maybe it was the result of a loophole that was closed.
Those with better memories can advise!
It requires being relatively on the ball though!
With all due respect what a silly comment. If you’re not on the ball then don’t play the game!
Thank you. I hadn’t considered that this could be split up.
It requires being relatively on the ball though!
Why do Curve have such a low threshold?
It was abused by a few in the past. The limit was 10k until last Nov if i remember correctly. Someone has to pay for all those losses.
abused in what way?
Not so much abused as taken full advantage of.
Not so much abused as taken full advantage of.
those are two entirely different things
Not so much abused as taken full advantage of.
To the extent that deliberately and knowingly taking cash advances to which one wasn’t entitled isn’t abuse and/or acting in a predacious or exploitative manner to take advantage of other people’s mistakes or weaknesses is fine, that might be correct.
Most people are taught right from wrong at a very early age. It sticks with them and they pass it on to their children. The transition from gamekeeper to poacher seems to be quite seamless for some.
Granted personal abuse is more the preference of some, however the discussion pertained to the fronted limit which was entirely within Curve’s rules and its power to vary, which it eventually did.
Funny isn’t it that everyone wants to blame others for abusing the system (it’s usually because they see others did far more MS than them so they were the problem) but as NorthernLass says Curve were well aware of what people were spending and could have bought in more controls earlier.
Can’t see how using the full £10k or £3k every month is abuse if that’s the limit Curve sets?
Creation threw their toys out the pram after they got caught out but at the end of the day that was partly due to their own lack of controls … I mean letting you pay a credit card directly with a credit card 🤣🤣🤣
Can’t see how using the full £10k or £3k every month is abuse if that’s the limit Curve sets?
Think you got that the other way round. Someone asked how we ended up with such a low limit and we were providing the context.
Earlier there were no limits and a few exploited it spending even 20k-50k a month on HMRC etc.
No wonder there are limits now. You can argue it’s not an abuse as Curve was stupid enough to not set limits. But atleast they weren’t stupid like Creation and set limits quickly instead of closing the card.
Creation threw their toys out the pram after they got caught out but at the end of the day that was partly due to their own lack of controls
Also on this, if I remember correctly, they weren’t ’caught out’ in a financial sense. They were worried about negative publicity and a possible enquiry from regulators after someone raised AML / recycling concerns about NS&I and Creation.
Everyone has a line, some are shorter than others.
I managed to find a few, some better than others, enjoyed the rewards and accepted the consequences when it never played out.
Can’t see how using the full £10k or £3k every month is abuse if that’s the limit Curve sets?
Think you got that the other way round. Someone asked how we ended up with such a low limit and we were providing the context.
Earlier there were no limits and a few exploited it spending even 20k-50k a month on HMRC etc.
No wonder there are limits now. You can argue it’s not an abuse as Curve was stupid enough to not set limits. But atleast they weren’t stupid like Creation and set limits quickly instead of closing the card.
Haven’t got anything the other way round … I see comments all the time of people calling it abuse
and 20-50k wasn’t abuse either as it was within the limits of spend curve allowed c£1m per annum.
Creation were that worried about AML they quickly shut down every single person that ever had a single curve transaction? Nonsense
There was no evidence whatsoever of money laundering it was clear cash recycling (which isn’t a legal issue but rather a cost to creation issue) and yes they were caught out financially as they were paying fees on getting paid by credit card and paying IHG for a shedload of points.
Well, we all have our opinions and we can never know for sure as spectators on the Creation saga.
All I can add is they were fully aware of the cost but never took action until someone complained to the regulators.
That they chose to shut down all cards with curve is their nonsense decision without checking which ones are actually for NS&I.
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