Subscription model based around insurance.
I don’t remember all the Curve customers desperately clamouring for insurance, so why?! It feels forced on me.
Frankly awful CS in app. No response or simple attempts to fob you off. Terrible interface. No way to mark an issue as urgent. Really frustrating
Botched Amex integration
I wanted Amex as just another card in Curve, whereas it’s now a different card with different rules. It’s also so expensive, whether on subscription (when you don’t need insurance…) or PAYG, I don’t see why I wouldn’t just use my Amex card directly and accept it won’t be accepted everywhere
Amex was coming back in November, but it’s actually still in closed Beta.
I don’t understand the crazy rewards plus subscription plus commercial/personal model any more. The help pages are not exactly enlightening.
The MCC engine just means it’s impossible to know in advance what fees you might be charged on your underlying card. There’s no good system for handling declines either.
All in all, I think I’ll just go back to one Mastercard, one Visa and my Amex - for a much simpler life!