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Hello
I maximise my curve fronted every month and put it on my Avios Barclaycard. I did it early September and since then I’ve reached the threshold for my upgrade voucher. I’ve then upgraded to the Avios plus version and I’m waiting for it to arrive.
Do you know if I can move back in time that fronted transaction from September onto the new Barclaycard when it’s active? This will cause for my new barclaycard to have two curve fronted transactions for October, but does it really matter? And most importantly, will it trigger curve fronted fees if moved as it will push over the limit for the month on that card?
Thank you
Apologies as I could’ve done a bit of research beforehand. I’ve asked AI as I couldn’t find an answer on the T&C’s on the website, and I found out that
How Curve Fronted & “Go Back in Time” Work Together
• Curve Fronted is designed for certain payments (like tax bills or HMRC payments) typically not accepted by credit cards, allowing you to route them through Curve, with a free allowance per month (often £1000 for Curve Metal, less for other tiers) .
• When you first make a Fronted transaction, it counts against your monthly allowance.
• If you “Go Back in Time” on a Fronted transaction and switch it to another credit card, Curve treats the new transaction as a Fronted transaction as well, if the underlying new card qualifies .
• This means the original Fronted transaction is reversed and a new one is created in its place.Which means going back in time would go beyond the fee-free fronted limit for the month, hence I would be charged.
From a Curve perspective I think it would probably work, as Curve sees them as two completely separate cards. The fact that they are both with Barclaycard shouldn’t matter.
However it won’t achieve much as Barclaycard merge the old card account in to the new one, so the GBIT refund to the old card would appear simultaneously in the new account at the same time as the new charge leaving no net benefit apart from a few extra Avios, and potentially then drawing the sort of attention you don’t want to generate.
Curve don’t charge or count again for GBITing a Fronted transaction. I’ve just done much the same thing using an unrelated second card for last months Fronted allowance instead of my old Barclaycard, so my newly switched Barclaycard has successfully got off to the flying start with a double helping this month.
Just seen your second post. Interesting as I’ve done exactly that this month and not been charged any fees. Equally if that’s what the terms same they you can’t complain if you get hit with the extra 2.5%. It _may_ be that as the GBIT’d transaction retains it original date it still counts in the original month.
Further comment now I’ve cleared my brain. Using two Barclaycards as hypothesised wouldn’t even earn extra Avios, as the refund would go through at 1.5 / £ exactly the same as the new charge.
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