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I have Black Legacy and you’re okay withdrawing cash up to £500 in a 30 day period.
Ah, I think that must be it – I withdrew £500 twice within 30 days. The first withdrawal wasn’t charged but the second was. Thank you!
NorthernLass – there’s discussion, but I was quite sure that there were hardly any changes to Black Legacy. I’m sure that Harrier25 has answered my query but I’d still love to see the PDF from a month+ ago.
There was nothing contained in the pdf relating to Legacy Black unfortunately, but seems to be following the same criteria as the current Black tier, minus the fronted and 1% cashback retailer allowances.
We metals can have £1k, no?
Harrier25 – there was definitely a Legacy Black PDF that was updated at the time of the changes. The link has been put in this thread a few times, most recently by me above although it’s disappeared for some reason. This is the link (not as a link) – https://www.curve.com/en-gb/terms-black-legacy/
I remember studying the pdf link a number of times and couldn’t find anything referring to Black Legacy only the current Black tier, and I soon discovered which card rules to follow when I was penalised by £2 for going over £500 in a cash withdrawals towards the end of November.
Not sure what’s happened but if anyone can give me a sense check if it’s my mistake, would be hugely appreciated
I have been charged a curve fronted fee and I am unsure why as I have calculated I am still within my £3000 limit. I spent £1991.99 on 24/12/23 which was day 24 of my 30 day rolling period. This money should have fallen off today as today is day 24 in this months 30 day rolling period. This money was taken out as a single transaction. I have done a GBIT transaction of £1001 which had no fee but then have gone to pay a curve fronted payment of £310.45 today which has incurred a 2.5% fee. I am unsure why as £1001+ £310.45 only amounts to £1311.45 out of the £1991.99 that has come back in.
Thanks in Advance
Not sure what’s happened but if anyone can give me a sense check if it’s my mistake, would be hugely appreciated
I have been charged a curve fronted fee and I am unsure why as I have calculated I am still within my £3000 limit. I spent £1991.99 on 24/12/23 which was day 24 of my 30 day rolling period. This money should have fallen off today as today is day 24 in this months 30 day rolling period. This money was taken out as a single transaction. I have done a GBIT transaction of £1001 which had no fee but then have gone to pay a curve fronted payment of £310.45 today which has incurred a 2.5% fee. I am unsure why as £1001+ £310.45 only amounts to £1311.45 out of the £1991.99 that has come back in.
Thanks in Advance
When they say ‘30 days rolling period’, it effectively means 30 days since the last fronted transaction.
There is nothing like ‘this months rolling period’.I’m not the best at maths, but how could 24/12 be day 24 of a rolling period, and also today? What did you spend in the entire 30 day period?
Apologies I’ve put the dates in wrong in my original post.
Essentially 30 day rolling period reset on 15/11/23
Curve fronted £919.20 on the 16/11/23 and then fronted £1991.90 on the 08/12/23. This is all that was fronted during this time.I then calculated £919.20 would come back in for me to spend on the 16/12/23 and during this time I ten fronted £1001. Again I then thought £1991.90 would come back in today for me to spend further.
Sorry for all the numbers on a Sunday but Curve have made no easy way in app to keep track of this.
Again, I’m no numbers whizz but I think 31 days is the magic reset number – personally I do all my fronted spending on day one then calculate 31 days from that before I spend again. So I’m thinking your reset date may have been 17/12, not 16/12, but I could be wrong!
Isnt a GBIT for a fronted trx counted as another fronted trx so it will eat up through your 3k allowance quickly if you make sudden moves
I think 31 days is the magic reset number
Correct.
I think 31 days is the magic reset number
Correct.
Yes! I’m not sure why the concept of 30 rolling days is apparently proving so complex for some. Obviously, anyone wanting to max out and/or run things to the wire needs to be vaguely competent at admin.
Isnt a GBIT for a fronted trx counted as another fronted trx so it will eat up through your 3k allowance quickly if you make sudden moves
No it isn’t. GBIT fronted transaction from one credit card to another credit card should not incur fee. If the fee is charged that will be a mistake on curves part and you should raise to curve support to refund it.
Got my pro-rata refund plus £10 compensation due to the delay despite not having the automatic downgrade option. Trick was to be polite but firm (no sorry I don’t want cashback at Wilko). Or maybe I was just lucky.
You’d be very very lucky to get cashback at Wilko! RIP.
The reincarnation of Wilko currently operates 3 stores, with more planned, and a website.
Can anyone tell me if I can still use Curve to pay my HMRC tax bill? Metal if that makes a difference. If the fee is still 1.5% I’m ok with that on this occasion. Does it count towards the £3000 fronted limit if you can?
Thanks in advance
Can anyone tell me if I can still use Curve to pay my HMRC tax bill? Metal if that makes a difference. If the fee is still 1.5% I’m ok with that on this occasion. Does it count towards the £3000 fronted limit if you can?
Thanks in advance
Yes and yes it counts as fronted (uses your allowance or fee once above allowance).
Thank you SteveJ
Is Curve Fronted still a thing to achieve spend bonuses on cards, specifically for the vouchers?
I have a Barclaycard Avios, Virgin Atlantic+ Credit Card and about to get the BAPP Amex. I’m under the impression Amex doesn’t work at all, but my normal spend would get that bonus anyway….
But then I’d have give or take 3k x 12 of fronted to unlock vouchers on the other two potentially? Or does putting money into NS&I Bonds not work at all anymore?
I don’t have big HMRC bills to pay, but money to utilise and move is there.
Amex is no-go, Virgin tends to slap fees on many fronted transactions so is best avoided in this scenario. The rest you can get on with, discreetly.
Can anyone tell me if I can still use Curve to pay my HMRC tax bill? Metal if that makes a difference. If the fee is still 1.5% I’m ok with that on this occasion. Does it count towards the £3000 fronted limit if you can?
Thanks in advance
The fronted fee over the £3k limit is 2.5% now, so pretty much not worth using now.
Amex is no-go, Virgin tends to slap fees on many fronted transactions so is best avoided in this scenario. The rest you can get on with, discreetly.
Appreciate the reply. How much are we talking with fees really – with Virgin? Specifically…. would it really outweigh the value of the points AND companion over the course of 4 months needed to hit the voucher amount?
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