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

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sarchin
Valued Member

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

They gave me a $500 SL, and I don't remember the interest rate off hand but I'm sure it's high.  I think I had to give them my debit card number, and they took two small amounts  (.43 and .74 cents) from my checking account and then deposited those amounts back in my account the next day.  There may have been something about the withdrawals/deposits in the terms but I didn't read them...I know, not good lol.  They wanted me to take a picture of my debit card to verify it but I haven't done that, don't plan on it either...I'm probably not going to use this card.  I may never even open the app again, but that's not so much Curve as I don't like or want a bunch of apps on my phone.  My scores are TU 683, EQ 669, EX 685.  Still no alerts for any hard pulls so that's good.








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Message 121 of 150
credit_is_crack
Valued Contributor

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


@FinStar wrote:

@credit_is_crack wrote:

I just downloaded the app and went thru the process. Mine said "Curve will NOT conduct a hard pull against my credit", and I didn't get any alerts of a pull when I submitted it. They might have changed this recently - just sharing the data point

 

Screen Shot 2022-12-24 at 11.01.37 PM.png


@credit_is_crack, since you and @sarchin were the two most recent applicants, what CL did Curve assign, if you don't mind? Just curious.


@FinStar the limit was $500. Looks like that's the default amount for it 

Message 122 of 150
credit_is_crack
Valued Contributor

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


@sarchin wrote:

They gave me a $500 SL, and I don't remember the interest rate off hand but I'm sure it's high.  I think I had to give them my debit card number, and they took two small amounts  (.43 and .74 cents) from my checking account and then deposited those amounts back in my account the next day.  There may have been something about the withdrawals/deposits in the terms but I didn't read them...I know, not good lol.  They wanted me to take a picture of my debit card to verify it but I haven't done that, don't plan on it either...I'm probably not going to use this card.  I may never even open the app again, but that's not so much Curve as I don't like or want a bunch of apps on my phone.  My scores are TU 683, EQ 669, EX 685.  Still no alerts for any hard pulls so that's good.


That's is odd. Mine was 16.74% but there wasn't anything about a checking account or taking a picture of anything. I did read that you have to associate a debit card in the app to pay for that credit line should it get used. I haven't linked a debit card so we'll see if I get the same instructions when I do. 

Message 123 of 150
FinStar
Moderator Emeritus

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


@credit_is_crack wrote:

@sarchin wrote:

They gave me a $500 SL, and I don't remember the interest rate off hand but I'm sure it's high.  I think I had to give them my debit card number, and they took two small amounts  (.43 and .74 cents) from my checking account and then deposited those amounts back in my account the next day.  There may have been something about the withdrawals/deposits in the terms but I didn't read them...I know, not good lol.  They wanted me to take a picture of my debit card to verify it but I haven't done that, don't plan on it either...I'm probably not going to use this card.  I may never even open the app again, but that's not so much Curve as I don't like or want a bunch of apps on my phone.  My scores are TU 683, EQ 669, EX 685.  Still no alerts for any hard pulls so that's good.


That's is odd. Mine was 16.74% but there wasn't anything about a checking account or taking a picture of anything. I did read that you have to associate a debit card in the app to pay for that credit line should it get used. I haven't linked a debit card so we'll see if I get the same instructions when I do. 


Thank you both for the additional details. While I'm certain it's a very interesting FinTech/hybrid product for some, I think I'll pass for now 😁

Message 124 of 150
RootDet
Established Contributor

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

The card officially reports. It popped up on EQ this morning as "CUV/HATCH BANK".  Honestly considering my problems with it, it was not worth it for it to report. 




Message 125 of 150
unsungivy
Valued Contributor

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


@RootDet wrote:

The card officially reports. It popped up on EQ this morning as "CUV/HATCH BANK".  Honestly considering my problems with it, it was not worth it for it to report. 


Just appeared on Equifax only today. Would rather it had continued to not appear, since my AoA took a small dip, but 🤷‍♀️


They seem to have extended the 1% bonus Cashback period. One of our Curve cards should have been done with the Beta Testing Cashback in January, and I was surprised to see it had 160+ days left when I went to look up the specific day. I contacted them via chat to ask, as I thought perhaps the counter was broken... but no, they quoted me the date which is 1 year after initial sign up (June 13th). The initial bonus was to last 6 months, so doubling it is nice since it's definitely still in Beta with no Visa CCs yet. Oddly, the other card is still quoting me 70+ days (was given a 2 month extension for issues I had getting it issued with my name correct).

 

We are saving up the Curve cash to use when the bonus expires on Visa/MC gift cards. So far, between two cards, have earned about $130+, which is nice considering it's on top of always using the best card for purchases (such as the Savor card and my Elan MC getting 5% for food and 6% utilities because of this respectively, and 6.25% for online shopping with my BofA CCR MC).

 

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Message 126 of 150
UncleB
Credit Mentor

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

I'm seeing it on EQ as well. Smiley Frustrated

 

Hopefully this one will be similar to the old Blispay and only report to a single credit bureau, but if not that's fine, too... "it is what it is." 

 

Had I known this was going to eventually count as a new credit card account (which is what it shows) I probably would have passed, but since I didn't I'm going to try to make the best of the situation.

 

Thanks for the heads-up on the 1% cashback being extended; I had never even looked at that part of the app before.  Just like you, mine is also extended to be a year from when the account was open (I have 173 days from today).  I guess that sorta makes things slightly better.  I was really looking forward to being back under 5/24, but now it's going to be an extra three months.  Not the end of the world, but had this pushed me out a year or longer I'd likely be very unhappy with the man in the mirror, LOL. Smiley Embarassed

Message 127 of 150
unsungivy
Valued Contributor

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


@UncleB wrote:

I'm seeing it on EQ as well. Smiley Frustrated

 

Hopefully this one will be similar to the old Blispay and only report to a single credit bureau, but if not that's fine, too... "it is what it is." 

 

Had I known this was going to eventually count as a new credit card account (which is what it shows) I probably would have passed, but since I didn't I'm going to try to make the best of the situation.

 

Thanks for the heads-up on the 1% cashback being extended; I had never even looked at that part of the app before.  Just like you, mine is also extended to be a year from when the account was open (I have 173 days from today).  I guess that sorta makes things slightly better.  I was really looking forward to being back under 5/24, but now it's going to be an extra three months.  Not the end of the world, but had this pushed me out a year or longer I'd likely be very unhappy with the man in the mirror, LOL. Smiley Embarassed


Well, if 5/24 is what concerns you... Chase has only looked at TransUnion for me, and it's not reporting to that as of yet.

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Biz - Sock Drawer'd -
Message 128 of 150
UncleB
Credit Mentor

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


@unsungivy wrote:

@UncleB wrote:

I'm seeing it on EQ as well. Smiley Frustrated

 

Hopefully this one will be similar to the old Blispay and only report to a single credit bureau, but if not that's fine, too... "it is what it is." 

 

Had I known this was going to eventually count as a new credit card account (which is what it shows) I probably would have passed, but since I didn't I'm going to try to make the best of the situation.

 

Thanks for the heads-up on the 1% cashback being extended; I had never even looked at that part of the app before.  Just like you, mine is also extended to be a year from when the account was open (I have 173 days from today).  I guess that sorta makes things slightly better.  I was really looking forward to being back under 5/24, but now it's going to be an extra three months.  Not the end of the world, but had this pushed me out a year or longer I'd likely be very unhappy with the man in the mirror, LOL. Smiley Embarassed


Well, if 5/24 is what concerns you... Chase has only looked at TransUnion for me, and it's not reporting to that as of yet.


I'm not really "concerned," per se, it was just a goal for this year.  Gotta love that... it's the first day of the new year and I'm already blowing my resolutions, haha.

 

In my state Chase always double-pulls EQ and EX (never TU, at least so far) so I'm afraid my 5/24 likely is impacted.  Again, I don't have anything in mind so it's not the end of the world, but it was definitely something I was looking forward to celebrating (I've learned to take my wins when I can).  Now it will just be August instead of May.

Message 129 of 150
yoda42
Valued Member

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

Seeing the messages about EQ, I just checked and it showed up on my report as well.  Guess they did a batch update to EQ.

 

Message 130 of 150
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