Decline reason


#1

When our Curve card gets declined, we receive the decline push notification, but not the reason for the decline. If there are insufficient funds on the underlying card, it gets displayed, but not if we have entered the wrong exp date or wrong cvv.
Curve support team can clearly see the reason of decline, would be great if we could also see it :slight_smile:


More information about declines
Curve limits not shown as decline reason in app
#2

Absolutely. There is nothing more annoying than not knowing why it was declined.
I once got a decline, because I had my curve points still selected and therefore insufficient funds available. Often when spending, I get the Curve notification before I get my physical cash or receipt. It would have saved me a lot of angst if this had happend whilst paying with the wrong card selected. A message saying “Curve declined reason: Insufficient funds - Card selected: Curve points” would have allowed me to quickly swap cards.


#3

Totally agree, great suggestion.

Also find it annoying that once notifications cleared they’re gone - would be handy to be able to see old messages in the app too!


#4

Hello,

It’d be really great to be able to see why a transaction was declined. For example -

Declined - card is locked (yep, I’ve forgotten to unlock quite a few times)
Declined - decline by curve card cancelled (had my curve card reissued before but didn’t realised)
Declined - decline by curve, merchant disallowed
Declined - decline by bankX

Ideally it’d also be good if the declines could be visible in the app somewhere after dismissing the notification. This would be helpful when I need to call a company to make a payment (as happened with an offline payment after the card was cancelled) or if I need to raise a support request about a declined transaction.


#5

It actually reminds you if you are on the curve rewards card option but it really needs to branch out to all other cards.


#6

Declined because of timeout!

Agree this feature would be really helpful


#7

I thought that I could use the Curve card as my primary card without thinking about anything else.

Last week, I repeatedly tried using the curve card for a flight ticket booking. Every time I tried using it, I got a message in the curve app that the underlying bank has declined the transaction. Then I tried with different card and got same error message.

Then I tried calling these banks as why did they declined the transaction. I was told that there was no problem from the bank side. Then I called up the booking website and I was told that there was no problem from their side and transaction was declined by bank. it was very confusing. So just to give it a try I emailed curve (as there is no phone number to call). Then I came to know that the transaction was declined by Curve due to spending limit put up by curve. But the messages I got did not mention about it.

Due to all this chaos the website where I found the cheaper ticket, the prices had gone up and I could not book for some time again as they had traces my failed transactions in the morning.

The customer service people tried to skirt off this issue pointing me to terms and conditions or giving me cliched response of how quick they were to reply to my email. But, in reality I lost hundreds of Pounds.

Bottom line is stay away. It looks attractive until you are hit.


#8

Yeah, Curve are rubbish at giving any information when transactions are declined. They always blame it on the underlying card, but in my experience that is very rarely the case.

To be honest though, I’d always pay for a flight directly with a credit card anyway. If you pay with Curve, you’re not protected by S75 if anything goes wrong with the booking.