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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.
@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
@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
@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.
@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 😁
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.
@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).
I'm seeing it on EQ as well.
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.
@UncleB wrote:I'm seeing it on EQ as well.
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.
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.
@unsungivy wrote:
@UncleB wrote:I'm seeing it on EQ as well.
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.
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.
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.