topic Re: Curve Card - Still in Beta...accepting applications via invite in Credit Cards

Curve Card - Still in Beta...accepting applications via invite

cashorcharge — Mon, 06 Jun 2022 17:21:07 GMT

I read about this card here a while back, intrigued I joined the Wait List. Notified today I am eligible to apply even though they are still in beta....sounds like X1, BlockFi and Aspiration doesn't it?

For those curious, the big feature of this card is...after approved...you register your other credit cards and then use their card for purchases...after you've made your purchase, you can decide which card to actually have the charge go to....if you get a bonus at Home Depot on Card 1 and you forgot that card at home, use Curve and they'll send it to Card 1with the Home Depot bonus as long as you redirect it there. They have their own bonuses etc...

Caveats are...they don't "currently" work with VISA cards...othen than a Visa Debit...and they don't work with AMEX cards...only MasterCard, Discover...oh and Diners Club.

Not sure who they pull, what criteria they are looking for, HP or SP and limit opportunities.

Re: Curve Card - Still in Beta...accepting applications via invite

Remedios — Mon, 06 Jun 2022 18:02:32 GMT

Good grief, I saw title and thought it was some card that would give rewards for weight loss

Never mind me 🤷‍♀️

Re: Curve Card - Still in Beta...accepting applications via invite

NoMoreE46 — Mon, 06 Jun 2022 18:03:05 GMT

Cool @cashorcharge.

There is a lot to take in on this card. I hope it succeeds unlike Coin.

I got to read about Curve more:

https://www.curve.com/blog/how-does-a-curve-card-work/

Re: Curve Card - Still in Beta...accepting applications via invite

cashorcharge — Mon, 06 Jun 2022 18:02:49 GMT

@Remedios wrote:
Good grief, I saw title and thought it was some card that would give rewards for weight loss

Never mind me 🤷‍♀️

HAHAHAHAHA! If only it could be so easy...

Re: Curve Card - Still in Beta...accepting applications via invite

crystal626 — Mon, 06 Jun 2022 20:58:16 GMT

How does it let you switch the card after you already paid?

Re: Curve Card - Still in Beta...accepting applications via invite

cashorcharge — Mon, 06 Jun 2022 21:03:07 GMT

@crystal626 wrote:
How does it let you switch the card after you already paid?

That's a great question....I don't entirely know. I have a few guesses but until I see it in action, I can't say for certain.

Re: Curve Card - Still in Beta...accepting applications via invite

unsungivy — Mon, 06 Jun 2022 21:06:28 GMT

Let us know your experiences please! I'm one of those waiting on the card. I know that the Alpha test didn't allow Visa cards, have they fixed that yet? What about the go-back-in-time feature... People have said that it loses all of the category data if you use that (which makes it somewhat pointless unless you're switching it TO a flat rate card), would really like to know if that's been addressed yet!

EDIT re read your image more closely, Visa CCs not fixed yet. Ugh

Re: Curve Card - Still in Beta...accepting applications via invite

cashorcharge — Mon, 06 Jun 2022 21:08:19 GMT

@unsungivy wrote:
Let us know your experiences please! I'm one of those waiting on the card. I know that the Alpha test didn't allow Visa cards, have they fixed that yet? What about the go-back-in-time feature... People have said that it loses all of the category data if you use that (which makes it somewhat pointless unless you're switching it TO a flat rate card), would really like to know if that's been addressed yet!

EDIT re read your image more closely, Visa CCs not fixed yet. Ugh

I too will be watching...I don't need to be first.

Re: Curve Card - Still in Beta...accepting applications via invite

C6 — Mon, 06 Jun 2022 23:39:00 GMT

I had this card. It was a UK issued debit card. It wasn't too exciting. You make purchases using the debit card and paid with attached credit cards. I don't know how they will make money here with the fees. When I moved back to the states it was closed.

Re: Curve Card - Still in Beta...accepting applications via invite

Alephbet — Tue, 07 Jun 2022 04:21:57 GMT

I received the invitation to apply today as well. I went ahead and applied. It sounded like I was going to get an HP but I have not seen any evidence of one so far. I did have Experian locked I remembered after the fact but not the other two. I was approved for a $500 limit at 18.99% which seems ridiculously low but maybe that's typical since they say that under an "anti-embarassment protection" header so if the other card that the transaction is forwarded to is not approved, this credit line will be used. I was able to add a few different Mastercards successfully but no Visa cards as is mentioned above. The ones that worked fine were my Aeroplan card, Citi AAdvantage Executive, Aviator Business, and Apple Card. That's about it for my Mastercards except for my GM Business card which I have not tried. I would assume debit cards also work fine but I have not tried any.

Re: Curve Card - Still in Beta...accepting applications via invite

crystal626 — Tue, 07 Jun 2022 06:09:23 GMT

All my favorite cards besides my Custom Cash are VISA. This wouldn't be a good fit for me.

Re: Curve Card - Still in Beta...accepting applications via invite

ptatohed — Tue, 07 Jun 2022 08:47:13 GMT

They, of course, need to add Visa. And having to select the card you want charged via app before (or after) each purchase is too onerous. Ideally, the app would know which of your linked cards would get the best CB/rewards for that particular purchase (at best); or at least let you, ahead of time, designate card X for gas, card Y for grocery, card Z for dining, etc. before the purchase (at worse). The idea is a good one. But, in the current state, the Curve seems too cumbersome.

Re: Curve Card - Still in Beta...accepting applications via invite

cashorcharge — Tue, 07 Jun 2022 21:34:41 GMT

@Alephbet wrote:
I received the invitation to apply today as well. I went ahead and applied. It sounded like I was going to get an HP but I have not seen any evidence of one so far. I did have Experian locked I remembered after the fact but not the other two. I was approved for a $500 limit at 18.99% which seems ridiculously low but maybe that's typical since they say that under an "anti-embarassment protection" header so if the other card that the transaction is forwarded to is not approved, this credit line will be used. I was able to add a few different Mastercards successfully but no Visa cards as is mentioned above. The ones that worked fine were my Aeroplan card, Citi AAdvantage Executive, Aviator Business, and Apple Card. That's about it for my Mastercards except for my GM Business card which I have not tried. I would assume debit cards also work fine but I have not tried any.

Thanks for sharing the success @Alephbet

Sorry to hear it was only $500 but if the really allure is to move charges to another card versus them carrying a balance with them, I guess that "sorta" makes sense...I mean if they're going to boldly charge you 18.99% interest....why give such a small limit? Anyhow..best of luck and let us know how things go

Re: Curve Card - Still in Beta...accepting applications via invite

Alephbet — Tue, 27 Dec 2022 00:03:46 GMT

@cashorcharge wrote:
@Alephbet wrote:
I received the invitation to apply today as well. I went ahead and applied. It sounded like I was going to get an HP but I have not seen any evidence of one so far. I did have Experian locked I remembered after the fact but not the other two. I was approved for a $500 limit at 18.99% which seems ridiculously low but maybe that's typical since they say that under an "anti-embarassment protection" header so if the other card that the transaction is forwarded to is not approved, this credit line will be used. I was able to add a few different Mastercards successfully but no Visa cards as is mentioned above. The ones that worked fine were my Aeroplan card, Citi AAdvantage Executive, Aviator Business, and Apple Card. That's about it for my Mastercards except for my GM Business card which I have not tried. I would assume debit cards also work fine but I have not tried any.
Thanks for sharing the success @Alephbet
Sorry to hear it was only $500 but if the really allure is to move charges to another card versus them carrying a balance with them, I guess that "sorta" makes sense...I mean if they're going to boldly charge you 18.99% interest....why give such a small limit? Anyhow..best of luck and let us know how things go

That was an oddly small credit limit since most of my cards are at least $10K up to $37K. I guess we will have to see about more data points. I did have quite the spree a couple of months ago so maybe that is related and probably is reflected in the APR. I was able to add the Curve card to Apple Pay but I have not gone anywhere to use it just yet. I am supposed to have my physical Curve card in 10 days. The lack of support for Visa and AMEX does make it far less interesting to me. I forgot to mention I was able to add my BofA Business Advantage Customized Cash Rewards Mastercard to it as well but, as I mentioned, I have not tried any charges.

There is a neat feature called Smart Rules that is shown in these screenshots from my account. You can set a particular default card in the main part of the app and then use these Smart Rules to automatically put certain types of transactions on a particular card. I was disappointed that there is no "office supplies" category. Also, without Visa and AMEX support, these categories are not nearly as useful as they could be.

Re: Curve Card - Still in Beta...accepting applications via invite

cashorcharge — Wed, 08 Jun 2022 15:23:05 GMT

I read this today @Alephbet about the card...some good things to keep an eye out for as you may be first on here using it...

https://frequentmiler.com/is-the-curve-card-ready-for-prime-time-hint-not-yet/?utm_source=feedblitz&utm_medium=email&utm_campaign=Frequent%20Miler%20%28Daily%29

Re: Curve Card - Still in Beta...accepting applications via invite

PrimeInterest — Wed, 08 Jun 2022 17:16:46 GMT

I also signed up and got approved, same $500 limit as the other poster. My theory is that it's a temporary limit until the physical arrived and is activated - but we'll obviously know soon enough!

My favorite features are the category automation (which could actually help you capture charges on the right card for companies that you are unsure about what merchant code is used) and the possibility of using a card like Citi DoubleCash abroad without any FX fees!

Re: Curve Card - Still in Beta...accepting applications via invite

NoMoreE46 — Tue, 27 Dec 2022 00:04:26 GMT

Per the Curve website- Visa, MC, Diners and Discover are working but Amex and Maestro are not...

Re: Curve Card - Still in Beta...accepting applications via invite

Alephbet — Tue, 27 Dec 2022 00:05:11 GMT

@NoMoreE46 wrote:
Per the Curve website- Visa, MC, Diners and Discover are working but Amex and Maestro are not...

I went back and looked at the app to be sure it had not changed overnight. This might be referring to the U.K. accepted cards but I don't know. In the app, it shows this. I also tried to add a Visa credit card and received an error that the card could not be added. I hope Visa cards are added soon because the majority of my cards that I normally spend on are Visa or AMEX cards. I doubt AMEX is coming anytime soon if ever.

Re: Curve Card - Still in Beta...accepting applications via invite

Alephbet — Wed, 08 Jun 2022 18:13:58 GMT

@cashorcharge wrote:
I read this today @Alephbet about the card...some good things to keep an eye out for as you may be first on here using it...
https://frequentmiler.com/is-the-curve-card-ready-for-prime-time-hint-not-yet/?utm_source=feedblitz&utm_medium=email&utm_campaign=Frequent%20Miler%20%28Daily%29

I appreciate that article. It is quite interesting. It seems like Curve is perfectly suited for a Citi setup right now with Mastercard and not Visa credit card support for now. I hope the bugs they experienced are fixed. The idea is amazing and, if it works as expected, it would be fantastic for someone like my wife who is not very interested in using a whole bunch of cards to get maximized bonus rewards.

Re: Curve Card - Still in Beta...accepting applications via invite

NoMoreE46 — Wed, 08 Jun 2022 18:25:49 GMT

Thanks @Alephbet. I wasn't thinking about country specifics

It is confusing and I appreciate the clarification. So clear as mud to me now.