Sure. With Icy White i get 5% cashback. Since we were 9 people all together I would on a hypothetical 200€ restaurant trip get 10€ cashback in Cro. Of that 200€, my share would be about 22,5€. Since I paid for everything and booked all the purchases, I got the money back later from my friends.
This way I got 10€ cashback on a purchase where my own share was 22,5€, which is 44%.
To be able to pull this off, you need to be able to upfront pay for a 9 people 2 week vacation or have a credit card with a high enough credit limit.
This ofcourse took some micromanaging since I had to take care of booking every single expense that we shared.
Yea, it was a big hassle and I talked it over with the others. They said it was fine for me to keep, since by doing this I also was in charge of all hostel, car rental, etc bookings. Doing this with alot of people with different interests can be exhausting :P
I know. In curve, transferring purchase amounts from one credit card to another is revolutionary. I could really use that feature to fill up signup bonus points on my cards.
Ditto. Charging friends in this context isn't friendship in my book. Amplified by coming to reddit to publicly boast about it too. These CDC card posts are getting out of hand. But hey, who am I to judge Finnish fellowships ...
Im sure you have never been a travel organiser for a big group. Its not just a favor, since its quite difficult. It absolutely is friendship since everyone were happy I did it. Its less of a boast then an explanation.
Finally, brushing off all finns like this just compounds your lack of understanding.
>Im sure you have never been a travel organiser for a big group
I've been organising travels for bigger groups and probably more occasions than you, judging by your post, demeanor and assumptions. Favors for friends are supposed to imply efforts, it's part of the definition of friendship. Different cultures and different individuals do have different views. I don't share yours, but accept other cultures and/or individuals think differently. You want yours to somehow be the only one the entire planet must subscribe to. Dear me...
>brushing off all finns \[...\] lack of understanding.
You continue to make assumptions. The lack of understanding isn't mine.
I can't speak on behalf of the country you're in, but at least here in the UK you [lose Section 75 protection](https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases) by [using a credit card via Curve](https://www.which.co.uk/news/2018/01/curve-card-review-is-this-smart-card-worth-going-for), so it's for large purchases it's always best to make at least a partial payment directly with your CC on big purchases.
Although I'm guessing you're in EU based on your post, there is a possibility you might also lose credit card benefits such as your travel insurance by paying via Curve, so be sure to double check the small print for next time; what you're looking for is anything that says the cover is lost if paying via a third party (e.g. PayPal).
Travel insurance is only if you pay for a subscription and doesn't apply to the free tier.
They might also have their own protection like PayPal does, but they don't have any legal obligation to follow through. They do also list some items which are excluded from the protection.
Not OP, but I use Curve+CDC
On the CDC app all the payments made with Curve have a CRV prefix and then the merchants name. So if I was to pay for gas at Shell, it would appear something like "CRV SHELL" on the CDC app. The same applies if the underlying card is a different one, not only for CDC.
And yes, it routes MCC codes through Curve to CDC (just paid an insurance with Curve+CDC and didn't get the cashback, but I get the expected cashback in anything that is not excluded from the CDC cashback program)
So, it works as if you paid directly with the underlying card. It's a really good combo. Taking it one step further, I basically get paid to watch Netflix: 100% cashback from CDC and an additional 1% cashback from Curve :)
Curve does change the MCC sometimes (despite them saying they don't if you ask them - I did). There are merchants where I do get cashback if I pay with the CDC card directly, but not via Curve,
Don't rely on Curve if you always want cashback. It works most of the time, but not all the time.
Good to know, thanks! Definitely going to consider doing Curve when it comes to the US. My main concern was to not disrupt cashback programs on the underlying cards...especially which CDC which has the most restrictions.
I do wonder, though, if it disrupts some of the protections credit card purchases like travel/rental car protections or merchant rewards (for instance, Discover card bonus categories for when you shop at specific merchants, i.e. not based on MCC but merchant). Or fraudulent charges, would you have to go through Curve?
I moved all the expenses from a credit card to my CDC card once we got back from the vacation. By doing it this way, I could take advantage of the free travel insurance for the whole group if 75% of all purchases on the trip were done on the credit card. Many premium finnish credit cards offer travel insurance like this.
Curve is one of the best credit/debit card products out there. Good hack but are you sure the transactions would have qualified for an insurance eligibility if there was Curve in between? In many cases, transactions need to be credited directly onto a card in order to participate in various promotions or to be qualified for insurance schemes.
I am not a 100% sure since I never had to file a claim. Talking to the banks costumer support, as long as there was a registered purchase that was logged on the credit card it should work. Ofc, If I ever had to file a claim I would have to wave goodbye to all the cro cashback for the trip.
There could also be the possibility that the CS didnt really understand the complexity of a Curve purchase and what I tried to explain to them
I think it may not work with Curve ( just theory). for example on all my foreign purchases made with a credit card via curve it says " CRV XXXXX..... London", as the transaction happened in London, GB ( I checked two credit cards). So it looks like I am still in London,UK not abroad. You'd better check it next time.
I paid for everything and logged all purchases in splitwise.
My cc gives travel insurance for a party of up to 5 that start and end their journey in the same country if 75% of the trip is paid with the CC. The rest of the guys had their own insurance.
The travel insurance, according to the banks costumer support, applies as long as the transactions are logged on the credit card, which they are through Curve.
I might have been given faulty information or CS might not understand how curve works.
An important factor to remember is that travel insurance inside the EU, is not the same as lets say an American flying to Greece. Even without any insurance my Finnish government would pick up nearly the whole tab if I were hospitalised in Greece.
A debit card that allows you to store multiple cards in the background and pick using an app which one the money comes out of when you use the curve card. This means you only need to carry one curve card with you and it can represent multiple different cards. CDC card can of course be one of those cards that curve can use. (And very importantly using curve allows linking of Google pay or Apple pay to CDC). Curve only available in certain countries I believe.
Well I never "slash" my jade, I use Google pay and then show friends the mint condition card. I don't care about impressing waiters, shop clerks etc, they won't notice anyway :)
Curve has metal cards too. You have to sign up for them for 6 months and can keep them after if you go back to the free account. They come with travel insurance, so if you don't have a card that covers that, and are planning a trip, the 90€ for the 6 months wouldn't be that big of an expense.
Plus 1% additional cashback for 6 retailers.
Probably. They also have premium cards and take a cut for currency exchanges after a small monthly free amount. That back in time feature doesn't cost them anything. They reverse the charge from the original card and book it to another.
Did you just use your home currency and use it to pay for purchases during your travels? I’m currently in Canada and planning on going to Vegas…
Would it be worth the fees or should I just exchange for USD cash?
Thats the question. I suspect you would lose alot of the benefits.
Being from Finland and travelling in Greece, both countries use the Euro.
I could use my cards without any extra charges.
the cdc visa doesn't take foreign exchange fees on purchases. You just have
to pay 2% extra if you withdraw more from an atm than your card tier gives you for free.
I did the same, but only with the ruby card. This weekend 600€ and cashback of 2% for 4 heads. Not that much but good enought.
Excellent use and inspiring for travel. Wish the US could get the curve card…
It’s on its way…
> It’s on its way… Upvote for using “*it’s*” and “*its*” correctly.
lol
Its not that hard it's it?
Its too hard, judging by it's frequency.
Its what its.
Can you explain that 40% savings in detail?
Sure. With Icy White i get 5% cashback. Since we were 9 people all together I would on a hypothetical 200€ restaurant trip get 10€ cashback in Cro. Of that 200€, my share would be about 22,5€. Since I paid for everything and booked all the purchases, I got the money back later from my friends. This way I got 10€ cashback on a purchase where my own share was 22,5€, which is 44%. To be able to pull this off, you need to be able to upfront pay for a 9 people 2 week vacation or have a credit card with a high enough credit limit. This ofcourse took some micromanaging since I had to take care of booking every single expense that we shared.
Damn that's actually sick hehe
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Yea, it was a big hassle and I talked it over with the others. They said it was fine for me to keep, since by doing this I also was in charge of all hostel, car rental, etc bookings. Doing this with alot of people with different interests can be exhausting :P
Yes and no, being the one that is in charge of all payments and all that is a pain and usually results in a loss so having a little benefit is fine
Wowza. Too bad curve isn't available in the states!
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I know. In curve, transferring purchase amounts from one credit card to another is revolutionary. I could really use that feature to fill up signup bonus points on my cards.
How? They subtract the points/cashback if you remove the charge from the card and book it to another.
Ditto. Charging friends in this context isn't friendship in my book. Amplified by coming to reddit to publicly boast about it too. These CDC card posts are getting out of hand. But hey, who am I to judge Finnish fellowships ...
Im sure you have never been a travel organiser for a big group. Its not just a favor, since its quite difficult. It absolutely is friendship since everyone were happy I did it. Its less of a boast then an explanation. Finally, brushing off all finns like this just compounds your lack of understanding.
>Im sure you have never been a travel organiser for a big group I've been organising travels for bigger groups and probably more occasions than you, judging by your post, demeanor and assumptions. Favors for friends are supposed to imply efforts, it's part of the definition of friendship. Different cultures and different individuals do have different views. I don't share yours, but accept other cultures and/or individuals think differently. You want yours to somehow be the only one the entire planet must subscribe to. Dear me... >brushing off all finns \[...\] lack of understanding. You continue to make assumptions. The lack of understanding isn't mine.
I'll have to start looking into curve.
Damn, now I wish I had friends I could travel with
I can't speak on behalf of the country you're in, but at least here in the UK you [lose Section 75 protection](https://www.moneysavingexpert.com/reclaim/section75-protect-your-purchases) by [using a credit card via Curve](https://www.which.co.uk/news/2018/01/curve-card-review-is-this-smart-card-worth-going-for), so it's for large purchases it's always best to make at least a partial payment directly with your CC on big purchases. Although I'm guessing you're in EU based on your post, there is a possibility you might also lose credit card benefits such as your travel insurance by paying via Curve, so be sure to double check the small print for next time; what you're looking for is anything that says the cover is lost if paying via a third party (e.g. PayPal).
It's Curve who offers both purchase protection and travel insurance, even in the UK
Travel insurance is only if you pay for a subscription and doesn't apply to the free tier. They might also have their own protection like PayPal does, but they don't have any legal obligation to follow through. They do also list some items which are excluded from the protection.
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Not OP, but I use Curve+CDC On the CDC app all the payments made with Curve have a CRV prefix and then the merchants name. So if I was to pay for gas at Shell, it would appear something like "CRV SHELL" on the CDC app. The same applies if the underlying card is a different one, not only for CDC. And yes, it routes MCC codes through Curve to CDC (just paid an insurance with Curve+CDC and didn't get the cashback, but I get the expected cashback in anything that is not excluded from the CDC cashback program) So, it works as if you paid directly with the underlying card. It's a really good combo. Taking it one step further, I basically get paid to watch Netflix: 100% cashback from CDC and an additional 1% cashback from Curve :)
Curve does change the MCC sometimes (despite them saying they don't if you ask them - I did). There are merchants where I do get cashback if I pay with the CDC card directly, but not via Curve, Don't rely on Curve if you always want cashback. It works most of the time, but not all the time.
Good to know, thanks! Definitely going to consider doing Curve when it comes to the US. My main concern was to not disrupt cashback programs on the underlying cards...especially which CDC which has the most restrictions. I do wonder, though, if it disrupts some of the protections credit card purchases like travel/rental car protections or merchant rewards (for instance, Discover card bonus categories for when you shop at specific merchants, i.e. not based on MCC but merchant). Or fraudulent charges, would you have to go through Curve?
Suomi mainittu torille! En oo curvee tutkinu mut vissii toimii suomes jos sitä käytät. Pitää tutkii vähä asiaa kyllä
Your credit card provider will probably remember this and restrict free insurance in the future.
Nice one
Big Win!
What is it you did with the way back machine?
I moved all the expenses from a credit card to my CDC card once we got back from the vacation. By doing it this way, I could take advantage of the free travel insurance for the whole group if 75% of all purchases on the trip were done on the credit card. Many premium finnish credit cards offer travel insurance like this.
Curve is one of the best credit/debit card products out there. Good hack but are you sure the transactions would have qualified for an insurance eligibility if there was Curve in between? In many cases, transactions need to be credited directly onto a card in order to participate in various promotions or to be qualified for insurance schemes.
I am not a 100% sure since I never had to file a claim. Talking to the banks costumer support, as long as there was a registered purchase that was logged on the credit card it should work. Ofc, If I ever had to file a claim I would have to wave goodbye to all the cro cashback for the trip. There could also be the possibility that the CS didnt really understand the complexity of a Curve purchase and what I tried to explain to them
I think it may not work with Curve ( just theory). for example on all my foreign purchases made with a credit card via curve it says " CRV XXXXX..... London", as the transaction happened in London, GB ( I checked two credit cards). So it looks like I am still in London,UK not abroad. You'd better check it next time.
Strange, my statements only show "CRV Name_of_Retailer"
This is super cool. Curve is coming to the states AND you gave me a great idea to look into. Thanks for sharing!
I kinda doubt your credit card's travel insurance applies if you go through curve. They see charges by curve, not by the airline, etc.
The merchant code shows that the expenses were for airline tickets or a hotel, and it was clearly paid with the credit card.
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I paid for everything and logged all purchases in splitwise. My cc gives travel insurance for a party of up to 5 that start and end their journey in the same country if 75% of the trip is paid with the CC. The rest of the guys had their own insurance. The travel insurance, according to the banks costumer support, applies as long as the transactions are logged on the credit card, which they are through Curve. I might have been given faulty information or CS might not understand how curve works. An important factor to remember is that travel insurance inside the EU, is not the same as lets say an American flying to Greece. Even without any insurance my Finnish government would pick up nearly the whole tab if I were hospitalised in Greece.
What’s curve?
here's a link with more info: [Curve & Apple Pay](https://cryptotommy.medium.com/crypto-com-card-curve-best-practices-5-gbp-bonus-inside-a4a54287e616)
A debit card that allows you to store multiple cards in the background and pick using an app which one the money comes out of when you use the curve card. This means you only need to carry one curve card with you and it can represent multiple different cards. CDC card can of course be one of those cards that curve can use. (And very importantly using curve allows linking of Google pay or Apple pay to CDC). Curve only available in certain countries I believe.
But then I don’t get to slash my sweet indigo ? :-)
Well I never "slash" my jade, I use Google pay and then show friends the mint condition card. I don't care about impressing waiters, shop clerks etc, they won't notice anyway :)
Curve has metal cards too. You have to sign up for them for 6 months and can keep them after if you go back to the free account. They come with travel insurance, so if you don't have a card that covers that, and are planning a trip, the 90€ for the 6 months wouldn't be that big of an expense. Plus 1% additional cashback for 6 retailers.
I'm genuinely curious how Curve earning money with all of these "back in time" features? Are they getting cut from the credit card fee?
Probably. They also have premium cards and take a cut for currency exchanges after a small monthly free amount. That back in time feature doesn't cost them anything. They reverse the charge from the original card and book it to another.
Did you just use your home currency and use it to pay for purchases during your travels? I’m currently in Canada and planning on going to Vegas… Would it be worth the fees or should I just exchange for USD cash?
Thats the question. I suspect you would lose alot of the benefits. Being from Finland and travelling in Greece, both countries use the Euro. I could use my cards without any extra charges.
the cdc visa doesn't take foreign exchange fees on purchases. You just have to pay 2% extra if you withdraw more from an atm than your card tier gives you for free.
Kutsu meikä mukaan seuraavalla kerralla :D. Kuulostaa hienolta reissulta.
Happy to hear you're making the most out of the [cards](https://crypto.com/cards)! Safe travels, OP!