Correct, only 2.5 months and apparently I need to have at least 3 months before they act swiftly on something like this.
Yes, I’ve been given a tiny £1.5k limit (which is many times lower than my largest limit elsewhere). I regularly pay during the month to avoid going over the limit.
That was the plan. I rang Amex to check (due to said low limit) to confirm I could actually topup, pay off, topup, payoff etc. They said I can pay off a transaction as soon as it posts. Yesterdays large Curve transaction posted this morning, so I zero’d it and did Curve again.
I understand why they locked it, but to refuse to let me use the card, even though there is plenty of limit left etc. They said, it should be active again on my next billing cycle (10th Dec) which means I will miss most of small shop
In the end we put £2.7k via my Curve (Amex), £1k via my Curve (BC Rewards), £3.7k via my wifes Curve (Aqua Rewards) + £4.1k Tesco Debit Card.
thanks! I’m aware of that, but if it was simple fraud protection, they should have just re-activated it… Large transactions to Curve could be seen as attempts to get Cash Advances (in a similar fashion to how you could use PayPal to do the same thing), which I expect they are thinking (it wasn’t, as you can see from my transaction history!) as I’ve not made large consecutive purchases over two days previously.