Curve - The Global Wallet 4+

Useful. I do have a suggestion.

I really love that it let’s you track all collected spending on loaded cards in one place, and that it doesn’t bother making a distinction between “pending” and “posted” transactions. The total spend you see is immediately updated after making a purchase, which is great. Smart rules work like a charm.

One suggestion is that the spending total resets on the first of the month. Maybe I’m missing it, but I’d love for there to be a setting that can change the monthly date for which spending totals are reset. Not all people’s budgets/financial calendars revolve around the first of the month.

Also so far I find that about once a week a payment will just straight up be denied, and it’s not to do with my associated credit card as not even the “embarrassment protection” kicks in. I assume it must be to do with Curve processing. Speaking of which, it would be nice to be able to elect to turn off the “embarrassment protection.”

Overall I’m very happy with the app and service

Developer Response ,

Thanks for the lovely feedback Adrock, we are glad to hear that you're making your own rules and taking control of your money by using Curve!

We'll pass your feedback onto the product team to look into changing the monthly date as well as a mode off option for embarrassment mode without fully removing your cards.

Thanks again for your input!

Account Declined

I finally got removed from the waitlist and sent an invite to apply. It’s been like 2 or 3 years. So I go to apply and submit my info and the app gives endless errors about trying again later. This is after I clicked submit on all the info questions. After about 8 hours, Support was responsive and said to try it again (perhaps they fixed the error). So I go through and submit all the info and I get an application declined error. I reach out to support who are fairly quick to reply and try to assist. However, all I see for my reason for being declined is “other” they won’t give any other details and said if there’s an error you can reach out to Experian. I’m not sure how they expect me to resolve an undisclosed issue though. If it was low credit score (mine was at 726 on the email) or too many inquiries etc, that could be addressed. But they don’t give any explanation other than “other”.

Curve seems like a great concept but like most fintech’s their support isn’t very useful beyond app related issues.

Developer Response ,

We are working on bringing Curve to the US, for the moment if you are an EEA resident you can add your US cards to Curve. If you would like to find out more about eligibility feel free to send an email to support@curveapp, a member of the team will be happy to assist you.

Scam

This is not a credit card and the app is atrocious. I received a statement that can not be viewed in the app and there is no web site login . They say they are associated with Hatch Bank which does has a website with a one page, there is no login or services you can click on….nothing! My statement, sent by email by their in app chat person has a charge that was also on my linked credit card. I sent email to dispute charge and never heard back. I also asked the in app chat feature on how to pay statement balance do this month, they said just hit “pay” but after a hour they said I had to add a debit card, which proves this is not a credit card backed by a bank, it’s just some charge service for your credit card which has an app far better than this junk app. No customer service phone, just a recording. You have to wait several minutes for a chat rep as it’s all automated. The address for Curve? WeWork 214 W 29th St NYC. Not a bank just some 20 something scammers trying to fund their lavish lifestyle.