The Most Confusing "Credit Card" | Curve Card Re-Reviewed (USA)
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- Опубликовано: 7 авг 2024
- Here's a video of me answering the most common questions I got when I made the video about the "God Trifecta" with the most confusing of the cards, the Curve card, re-explained; hopefully in a way, better so everyone can understand the true power of the Curve credit card.
Curve Card Referal: link.calbyng.com/CurveCard
Curve Card Video: • The ONLY Credit Card Y...
Bilt Trifecta: • The God Tier Trifecta ...
Timeline
0:00 Start
0:08 Curve Card
1:03 Curve Credit
2:04 Go Back in Time
5:40 Foreign Transaction Fee
6:23 Things to Know
7:08 Fraud?
7:41 Welcome Bonus
9:37 Annual Fee
10:13 Affect 5/24?
12:12 Problems Signing Up
12:57 Physical Card
13:49 Player 2
14:00 Am I in Trouble?
14:23 Other Questions
#allinone #creditcards #trifecta
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Curve Card Referral: link.calbyng.com/CurveCard
Curve Card Full Video: ruclips.net/video/7g1rNQtH3qo/видео.html
I just signed up using the referral link and was approved, but kinda confused on how the $5 comes into play? I am not seeing anything in the app
@@luci_lol What do you mean by the $5? Are you referring to the 5 Euros membership fee? If so in the United States there isn't a fee
they aren't issuing this anymore apparently
I have been meaning to ask you about this card and now you have me even more curious thanks for the detailed explanation! and for the Superchat!
Chad gonna join the Trifecta army? Hehehe
Of course! Thanks for showing us around Vegas, it really put things in perspective
This cleared up a ton of the questions I had about this card. I love to see the Credit Community Discord asking the hard-hitting questions 😉 While I'm still a bit hesitant, it's cool to see that you're taking advantage of this. You're a smarter man than me! 😆
You should also make a video on this card, would love to see what’s your opinion on it ?
Glad I could clear up some questions to make way for your eventually application 😁
Right! So many people asked questions I didn't even think to answer!! Good I was able to though!
Thanks Spencer!
@@bryantorres1011 That would be interesting, a Spencer take 🤔
Would you have a link to join that Discord server?
@@IAD_Flyer Yep!
discord.gg/creditcommunity
Thanks Calby! Great breakdown!
Thaanks Janmajay! Hope I could clear some things up!!
Just for the sake of clarity, VISA CREDIT cards cannot be added but VISA DEBIT cards can added and used with the Bilt trifecta
Oh right! You're absolutely correct. Can't believe I misspoke, good catch!!
First off….I’m first! Let’s just set the record straight on that. Also, Anthony Venture is disqualified for the next five videos for cheating! Now onto the subject matter. I’m so skeptical about this. I think the fact that you figured out this trick is genius and deserves praise, however, knowing Bilt and how they clawed back your points for referrals that they couldn’t verify, I don’t think I’d trust abusing this. And with all of those refunds on your other cards, it looks like manufactured spending on those credit cards every month. Risky stuff here bro!
🏆 Here you go CJ, just this once; since Anthony cheated, lol.
Oh I 100% agree, but might as well use it til they stop me hahhahah.
Brilliant! Curved and brilliant!
Hahahha thanks Marcus!
Thank you for the clarification
One more question. Say my CITI DOUBLE CASH card on file has reached its credit limit. Can you charge it on another card and then after you paid off the balance, do the go back in time feature to put it on the Double Cash to fully maximize your points?
@@SPAwSPA Oh yeah, that's 100% within reason. Just make sure you do it within 30 days.
Thank you! This is a great video. I recently got the curve card but unfortunately been experiencing issues with it. The first 2 weeks or so the card worked fine but now every transaction gets declined. I've tried other master cards and support has been working on it for over 2 weeks. Hoping to figure out what's going on. Have you heard of this happening to others?
You too??! They're canceling my purchases too. Their FAQ page on top has "why was my transaction declined?" This company is whack
Honestly im very tempted. I do have bilt and if i do get the card, I'm probably planning on only linking it with bilt. I am scared of fraud of points denial or whatever from bilt tho, this seems like a loophole.
Oh for sure, I understand that fear; I more or less look at it as what's the difference between going to a store at the beginning of the month and returning and repurchasing the exact same thing.
Of course, my tolerance for loopholes is quite a bit, haha
Curve can now be added to Samsung Pay and Garmin Pay. Initially, when I got the card in December 2022, I wasn't able to add it to Samsung Pay, just to Google Pay. Now it solves the P2 problem, I just gave it to her, while I'm using Samsung Pay myself, which can be used anywhere, whether or not they support it (except Walmart, where they figured it out).
Thanks for clear explanation Calby! But regarding going back in time feature (specifically for Bilt Rewards Day), I think doing this for like 3-5 transactions per month is fine, but if you're moving 10+ transactions monthly (canceling them on the other card, moving them to the 1st on the Bilt), this is 100% going to set off 🚩s with not only Bilt but all the other cards that you're refunding the transactions on. I can't confirm this for sure, but I would just proceed with caution when employing this strategy as 2X Bilt points on regular everyday purchases, IMO, is not worth causing potential problems with your main banks. I would only do this using lesser known credit cards with banks i don't care about.
Using it for bilt is okay then for most people since nobody really likes Wells Fargo anyways just be careful like you said
I'd run dinning transactions from debit card and rewind those to rent day for the 6x. I'd program the curve to designate other categories to their appropriate card.
I wouldn't use the curve card at all for travel. As that is more of a piece meal puzzle anyways.
Quite frankly, I don't care about Wells Fargo either, they are scummy AF, so I have no qualms about hard churning them and getting banned. I just don't want to sour my relationships with other banks.
I've been doing it for 10 months now, so 🤷 I'll prbly keep doing it til they stop me hahahah.
But I do see your, and many others' point; so I've been putting the charges on a card I don't much care for anyways recently
Hahaha right! Wells Fargoooo. I have been more careful though
@@CalbyNgstill No issues moving to Bilt on rent day?
As far as the FTF loophole how would you put this into practice? For example I wanna use my bank of america cash rewards card which charges a 3% FTF fee. I would you pull out my curve card ?
Yep exactly! You would use the Curve card (Physical) to make the purchase internationally, but make sure your BofA cash rewards card is selected within the Curve app.
I talked about it more in my "What's in My Wallet" video when I went to Canada; if you want to check it out: ruclips.net/video/Y6iGMpAx5FE/видео.html
One more thing I'm not clear on because I haven't tried it yet. Are you moving the purchases to the Bilt card exactly on the first? Or can you schedule it to move prior to that?
On the first for it to count towards the rent day bonus. It doesn't have to post, just has to be charged on that day.
Why you do me like that in the video with the Deep fake 🤣🤣.
Hahahahah because it’s hilarious 😂
@@CalbyNg it really is 🤣🤣
@@SledgeIncTeam Just wait til you see the other videos I made 😸
@@CalbyNg can't wait 🤣🤣🤣
@@SledgeIncTeam 😂
So to get the double points on Built I would have to do the transfers on the first of the month and if the 1st lands on a Saturday can I still transfer on the 2nd since it's a weekend?
y is he driving in the car while making this video?
Can’t wait till my curve metal card arrives 😂. And also how do we continue to earn the 1% after 6 months ?
Let me tell you, it's the best! You'll be more than happy holding it; maybe even sleeping with it 😉
After the 6 months no; unless you get referrals
Question for Go Back In Time (GBIT) feature:
- For instance:
+ Bilt credit limit: $10k
+ Apple Card credit limit: $2k
- I load my Apple Card to Curve Card, make it as a default payment then use it to charge every single transaction. However, my credit limit in Apple Card is only $2k and I have to wait until a rent day to activate the GBIT to get double points on Bilt. What if I use $2k in Apple Card then GBIT to Bilt card on a rent day? Is it gonna hurt my credit score as a credit utilization?
Yeah....it prbly will hurt your credit score; since the Apple card closes your statement on the last day of the month. It will show 100% credit utilization if you fully use the $2. And won't be removed from your account til prbly the 5th of the month.
Does go back in time work for a new card just added that was added after the original transaction was made? Of course within the 30-day limit.
Yep! As long as you used the Curve card, you can Go Back in Time with any card even ones added recently
Great for someone running multiple Citi Custom Cash's and a Double Cash or Sofi 2% card. For those who have PC'd into that setup, a Curve quadfecta would be OP.
Oh now that's interesting! Someone has to do this! I personally don't have too many Citi cards though, haha
I have 9 Custom Cashes. I use them with Curve.
Firth! (Shoutout to Ritchie!)
Oh, hey CJ… ☕️, nice of you to show up.
Hahahhah, sorry CJ I gave Anthony the video to check over
Wow, a 12 hour head start 😮
Rigged!!!!
@@joshua.butler I told Anthony it was too obvious! But nooooooo
@@ItsMeCJ Right!
If you have both Curve plastic card and Curve metal card, can you use both of them or only use the latest one you have 🤔
Oh just the latest one; it's basically just a reissued card.
Funny thing though, I don't think you can actually use the Curve card until you get the new one, because a bunch of my transactions have been declining until I got the new metal card.
6:39 does not works with Chase nor Bilt, chase and Bilt (Wells Fargo) for authorized user use same card number, expiration date and CVV they only changed the name, in the other hand capital one does provide a different card number. I was able to do this with capital one but not with chase nor Bilt :(
Ahhhhh you’re completely right!! I can’t believe I forgot. At the time I was talking I had Amex in my head.
Just signed my Brother in Law for the Amex Gold as an AU hahah
How do you us the Freedom Flex? It’s a Visa.
Oh uh, The Freedom & the Freedom Unlimited is a Visa card. The Freedom Flex is a World Elite Mastercard.
Have you tried using the curve card in a foreign country? Is the foreign transaction fee waived and did it even go through? there are several DPs saying that it doesn't really work that well outside of the US
Yep! I’ve used it the majority of the time in Canada; worked fine.
Were these data points posted 6 months ago? Because Curve was still in beta at that time
@@CalbyNg the dps are actually from last month on the fm blog. Thanks for your dp!
@@joethong726 Oh huh, strange. Worked fine for me. All of my transactions I made using the Curve card went onto my Freedom Flex
If you got samsung pay and your in uk sign up for samsung pay plus you get a curve card with extra perks and a samsung look and it's free.
Edit: samsung pay plus may be avaliable in more countrys but I use it in uk 🇬🇧
Oh that's interesting, I've never heard of Samsung Pay Plus. Good to know though! Thanks!!
I was trying to apply one but somehow there is some error in the app.
It says try later
Reached out to CC, it's been more than days and no reply.
It's so strange, that's been happening to a lot of people recently; they've tried to change their emails and phone numbers then it worked. Also, check if your social security number is correct.
But if that doesn't work try reaching out to them on Twitter and this email address: support@curve.com
They're usually pretty fast.
10:47 so in theory … in theory if I were to apply
I’ll still be under 5/24
Should I risk it ???
I’m so tempted
Also
In theory .
( because I’m to scared of getting a bunch of refunds onto my credit card )
If I use a visa debt or master debt card .
For all my transactions
Then swap then over to the bilt credit card it should work, right ?
I’m willing to apply if it doesn’t show up on my 5/24 so I can get that METAL card 😉
And just sit on it for a while till I’m over my 5/24 later this year
Then apply for the bilt card later on
Thank you for this super super informative video. I’ve been watching lots of videos of the curve card over and over
But a lot of the videos were about it still in beta and not up to date .
So I’m glad more people are talking about it now thanks to you :)
If Chase doesn't pull Equifax in your state, you should be good 👍
Yeah using a debit card should work, I've done it once with no issues.
Gotta get the free metal card, I don't think you have a choice at this point, hahhaha.
Hahahah I'm trying to start a revolution
😜But yeah, I believe even without the trifecta, the Curve card should be talked about more; dunno why it's not
Yeah, this is how I'd do it too. Just run it from a debit card so I don't mess up my relationship with the other banks.
@@IkaikaArnado Seems to be the move, I'm glad I shared this method with you all; honestly I never thought about this method as in depth as some people I've talked to this past week.
Thanks for the shoutout, CalbyNg! When I talked with support, they said "Unfortunately, you're unable to add the same card details twice anywhere in Curve. Even if your card is from a joint account and your cards have the same number, you won't be able to add the card to Curve if a card from this account was added to another Curve account." Support actually noted that it would work to remove a card from one Curve account and add it to the other. You just can't have it on both at the same time.
Ofc my dude, gotta give props to you!
Ooooohhhhh now that's interesting! Removing it from one card to the other depending on what you want to move through time. Like you move all of your transactions to the Bilt card then load the same Bilt card to your Player 2 Curve account and move their transactions to the Bilt card. Basically your Player 2 never has to worry about charging the incorrect card
@@CalbyNg - At present, I’m giving my P2 the card that we’re putting spend on for the SUB and also loading it to Curve to use myself. That way we can both use it without getting a second card and I can move any particularly beneficial charges from my spend to Bilt on the 1st once I see that we’ll hit the SUB easily.
@@danielturner8798 That's smart 👍
If your card has a virtual card number feature, that will work. Add the physical card number to one Curve account and the virtual card number to the other Curve account.
@@kaylarobinson7859 Oooo nice! Thanks for the tip and data point!!
It would really be nice if the rotating categories on Discover work because it’s the 5% +1% (for six months) and I can use that in tandem with moving everything else to the Bilt card. I think I’m going to try this for one month and see how it goes. Obviously longer if it does work with Discover because the next three months are awesome with digital wallets and gas. Going down the rabbit hole with this, I wonder if the digital wallet category will apply if I use the curve card in my digital wallet and have it charge to the discover card. This makes my head hurt.
If I understand you correctly, I've done this before on my Freedom Flex. If the Q3 categories release in July and I made some of those purchases that would code in the Q3 bonus, in the last month of Q2; so June. I've moved over the transactions to earn extra on the quarterly bonus.
Hahaha you aren't the only one in that hole, trust me.
Now that's interesting, I never thought about digital wallets coding on the Curve card, I might try that! Thanks Bobby!
Just tested if the Curve card will preserve the mobile wallet Merchant Code; it does not unfortunately
@@CalbyNg too bad, but on a positive note, I used the Curve/Discover to test if it coded properly for the rewards and it did. Got my 5% (Discover)+ 1% (Curve).
@@BobbyWhy Nice! So it works if you don't move the transaction? Just straight put the charge on there?
@@CalbyNg exactly. Used the Curve the other day at a local restaurant and when it posted on Discover it was as CRV* BROOKLYN NY with a category of Fast Food Restaurants (even though it was an actual full service restaurant). Curve Cash shows the 1% earned from the purchase and Discover shows the 5% amount that was earned. Like you asked, it was a direct charge without moving it with Go Back In Time.
I wonder if you can use the curve card to pay for a mortgage through plastiq on a dummy card and then do the go back in time feature for BILT to get 2x points on rent day. I previously tried using the BILT card for my mortgage on Plastiq but was blocked by BILT with a text message stating that I was using a service with a fee and to use the ACH account instead but I know the ACH account is prohibited for using for mortgage payments.
Now that would be interesting; I think it's worth testing, in my opinion. Personally though, I don't have a mortgage.
The only concern I have is will the transaction still keep it's code when moving it over 🤔then you'll have the same problem again.
@@CalbyNg I guess the only way to find out is to try. Worst case I switch back to using my Citi double cash.
@@charlesruiz2000 Prbly, haha. Good luck my friend 🫡 Please report back on your finding, thanks!
@@CalbyNg just as a follow up on this, I used the curve card today on BILT rent day and just tried using it straight up to pay Plastiq and it went through after an initial decline with the text message from BILT to move forward with a payment that charges a fee. Unlike last time I tried directly with the BILT card I still got declined but this time I did not get declined using the Curve card. So since it works I'm not gonna question it lol. Gonna keep paying my mortgage on BILT rent day via Plastiq using my curve card. It will be very easy to make up for the 2.9 percent fee using Hyatt for redemptions with the 2x rent day promotion.
Update: looks like it only earned 1x points because it coded as rent. So probably not ideal unless theres a high value point redemption in mind.
I don’t know sounds like problems in the future with the other banks.
You would think so, but so far no problems. I'm thinking if they reach out directly to Mastercard or something. Who knows though, hahaha
If this doesn't work in 2-player mode, I'll probably just carry the cards because I can keep track of the multipliers, and my wife can carry and use the curve card. Only downside of that would be trying to do the BILT transaction transfer thing would only work on transactions that processed through Curve.
I think the Curve card is amazing on it's own for that reason; a Player 2 card.
Yeah that is the only issue; however!! You could also load the Curve card onto your smart wallet like the Apple Wallet 🤔
@Calby Ng interesting! I hadn't thought about that
@@DallinBunnell Honestly I didn't either til I was answering your comment, lol. So thanks!
That’s the only thing I would be sketch because all those returns on the same day. Ever since I saw that one RUclipsr that Amex dropped all his accounts even tho it’s not the same I’m just nervous about it lol
I 100% understand, it does seem weird now that I think about it, haha. I don't blame ya!
Just a personal data point, I've been doing this method, of moving transactions, for about 10 months now; with no issues.
I don’t understand the purpose of the GBIT. If the BILT card had never existed, the GBIT feature would seem to be a useless gimmick. I’m just trying to figure out what the GBIT was intended if not for the BILT rent day.
It was intended for two main things:
First if a place you thought was going to code as dining, like a bakery, but it doesn't you can GBIT and switch it to a catch all card instead.
Second Curve officially promotes; I don't prefer. You can move transactions to free up credit limits.
Does the curve card work with Plastiq?
Good question, someone else asked that, so they can use it for their mortgages; unfortunately I personally don't know. However Darklord6505 may be trying it soon; so I'll try to keep you updated 👍
I believe if I understood correctly you said you could put your debit cards on this card and use it like a debit card? If that is not correct then please ignore, but if it does, then is the curve card considered to still be a credit card to merchants or a credit card? Just wondering for like a store like Winco where they don’t accept credit cards but do accept debit cards.
Oh, you can put debit cards on the Curve card; however, ultimately the Curve card is what you'll use to pay, and it is classified as a credit card unfortunately
@@CalbyNg I figured, but wanted to make sure, thanks!
@@MPG2014 I get it, always good to make sure 👍
i just download the app and it's only support Debit card @@ Also no Amex. Can't even add CSP card. However, I apply and they send me a metal card. Look like Bilt card with the black/silver tone.
Yes, Visa debit cards. However, for credit cards they support Discover and Mastercard; with future plans for Visa credit cards. No plans for Amex though.
I read that with the free version you can only use the go back in time feature 3x per month?
That's only for the European version. US version has no limit.
Yep Ikaika is 100% correct 👍
Does curve takes up a 5/24 spot?
It can, it has only reported to my Equifax score, since the Curve card is still technically a credit card.
I have tried adding my player 2 additional user citi cards (Double cash and custom cash) to my wife's curve card unsuccessfully. I have to remove them from my curve card first.
I think that is because the card numbers are the same and only the name differs. Also, I got ordered my metal card thanks.
Oh yeah, I made a mistake on this one; at the time I was thinking of Amex authorized user cards because they have different numbers.
Nice! Might as well get the metal it's free 👍
Use the virtual card number feature to get a virtual card number for each of those cards and add the virtual card number to P2's Curve and the physical card number to your Curve.
One concern I have about the Curve card is if you are mugged or lost your card and phone. If that happens then someone will have free rein of your curve card until you can find another phone or contact support to lock it. But what protection will you have to the transactions that they get away making? And who would you contact with this fraud, Curve or the credit cards that are charged? Your credit cards have this protection from you being liable, but the Curve card is like a middle man.
If I am reading the paperwork correctly, Curve wants you to contact them and not the cards that were fraudulently charged down the road. I think the key words to CTRL+F for is "double dip".
You can also lock your Curve card in your app. As long as they don't take your phone too, you've got a hot second to lock it down.
@@Quroe_ Problem with lossing your phone is you can't lock the card from a computer. You need the app or contact customer support to lock it.
The Curve card is a World Elite Mastercard, so I would assume you'll have the same protections that come from that.
Oh thanks Roque for looking that up! Honestly never thought about it til schoolruler2 brought it up.
But yes, you can lock the card in the Curve app.
@@CalbyNg They made it a World Elite Mastercard because it has the highest swipe fees I "heard" but don't quote me on that. Plus you would not owe Curve any money if your card got stolen, you owe your normal cards the money. And understanding what protections you get is a mess. In the U.K. version of the card people can't use their country's protections for lost credit cards because it is technically a debit card there and Curve offers their own insurance there. What protection there is under U.S. laws is not something I could find on the Curve site. They just want you to contact customer service when it happens.
I love the Curve card, but I still wonder about the worst case scenarios.
Mine just literally got dropped off by FedEx
I’m hyped for you ! METAL
Did they do a slap test? 🤣
LIMITED TIME FANATA!!
@@CalbyNg hahaha.
@@SledgeIncTeam 😆
whats the discord server the messages came from?
"The Credit Community" server. It was created by Daniel Braun & Mark Plymale. With Spencer Johnson running most of it these days. You should join if you haven't already! It's pretty fun in there
just signed up. says they are giving me the metal card for free.
Nice!! That metal card is definitely nice, I really like the design
Just got the card, transactions keep getting declined. Reached out to support and was told "we're looking into it."
Damn sorry, this is happening to you; hopefully, they can do something on their end!
@@CalbyNg It just got fixed. Don't know what they had to do it on their end to make it works.
@@BlueFan9635 Could be the maintence they did yesterday.
Just activated my card. I’m having problem paying with the card where all my transactions are getting denied. Is anyone else having this problem
Just to make sure your card numbers on the physical card and in the app are the same right? I had that same problem a couple days ago, but now it seems to be working.
If it still doesn't work I would contact:
" support@curve.com " or contact support in the app; and hopefully they can help ya out!
Same here. Unlinked, relinked same cards, new cards and still being declined.
@@BlueFan9635 Is it working any better now? They recently did a major maintenance update. Also did you confirm your card in the app?
@@CalbyNg It's good to go for now. However, only did like 1 test transaction to pay ATT bill, so not sure about the long run.
@@BlueFan9635 Well thats good 👍Ah, well in my experience Curve has only acted up recently over the last 10 months. I'm thinking it's the influx of people joining Curve. Of course I don't know that for sure.
Should've been called the Ring Card. One Ring to rule them all. Missed opportunity.
Right, that's what I thought! Maybe someone owned the trademarks.
This looks….uhh….terrible. I think I’ll just keep using Apple Pay because this just seems to clunky.
Nah I get it, haha. It can be confusing I will admit.
I do like how it's basically a physical Apple Pay for the times you need the physical card.
Am I the only one who’s been using Curve (US) for more than 6 months now and still getting the 1% cash back? 😂
Oh nice! Maybe it's a glitch, might as well take advantage when you can!
Metal cards unite! Woo Loo Loo!
Hahah right! Did you get your metal Curve card yet?
@@CalbyNg Of course I did! Who wouldn't want a free metal card. I use it to flex that I'm fancy.
@@schoolruler2 Oh I meant do you physically have it in your hand? Like has it already shipped to you? Hahaha
Better too, cuz it's the "Black card"
Am I the only one that smart rules don’t work for?
It has worked for me. I would try to contact curve@support.com
Maybe they can do something?
Just in case anyone else is running into the "you can only have a card loaded onto one Curve card at a time" issue. If your card has a virtual card number feature, you can add the physical card number to one Curve card and the virtual card number to the other Curve card, effectively letting you add the same card to more than one Curve card.
Thanks for letting us know Kayla! That's awesome you figured that out!!
Imagine meeting a baddie at the club. You convince her to buy her a drink, you get to know a little bit more about her, open up a tab and keep the drinks flowing, you hangout with her most of the night and get to know some of her friends. Had a great night, you finally close your tab and the girl is right next to you, she’s expecting you to pull out that heavy shiny plat Amex because your a financial bro and you work for some big fancy hedge fund. Next, you dig into your wallet and pull out the Curve card lol. She tells you she’s gonna Uber home from the Bar instead of going to your place. You got curved because you pulled out the curve card.
Eh, if she didn't want to maximize points; was she actually worth it? Hahahaha
You could always tell her it's the "Black Amex Card" 😉