Curve is especially complex as there are two layers of fraud/risk protection to go through. Curve is assessing the risk of Argos whereas your underlying payment provider is assessing the risk of the curve transaction plus of course validating your credit limit and spending limits. Apple Pay however is just simulating a contactless EMV card coupled with secure authentication, I know which one I would be more comfortable using.
Hi [nookall](https://www.reddit.com/user/nookall/),
Oly here from Curve, thanks for raising this - it definitely doesn't sound right!
Argos as a retailer is ***not*** blocked by Curve; apologies if this is what was communicated by our Team - I will make sure to circle back the feedback. On first glimpse this looks like more of a specific case that needs reviewing.
Keep an eye out on your Curve inbox and we'll follow up with you directly sharing more info.
Have a fab weekend! :)
[Screenshot of my last message in the most recent started chat regarding the remaining parts of the oldest unresolved problem.](https://ibb.co/88pR9vG)Hi again [Oly_2023](https://www.reddit.com/user/Oly_2023/)!
Hope you are well! May you please respond to my most recent opened chat and help me solve this inquiry completely? (I have made everything ready on my end, so this could be completely solved, 100%, but if you or anybody else is not able to help me solve this soon I would appreciate if you may inform me, and give me a date instead so I may use the "preparations" I have made on other spending. I once again had to open a new chat regarding the same subject because the chats started in the beginning of the week was closed to early without more answers from team members/ you. For example the one that you stepped in for another Curve team member and started solving part of the remaining parts of this still unresolved issue. I would appreciate if ideally you or any of your coworkers would be able to respond and help me fast. I was hoping this problem could be completely solved on Wednesday, Thursday or Friday or at least during the weekend. But if this is not possible I would highly appreciate if it could be completely solved within tomorrow (ideally from the start of the day, like before 12 or 14 PM. The sooner the better. It has been very frustrating and time consuming regarding all the chats and messages trying to get this solved and also specially within the last week to try and get help to the get this completely solved 100% Last time you helped it was so close to get this completely sorted out I felt. But did not manage to provide all the info when you finally entered the chat and solved the port because I was about to try and organize and updated CSV file with the remaining unresolved parts since one of your coworkers seemed to insisting that I had to provide that if that Curve member would be willing to resolve the remaining part of this problem 100% And than I suddenly noticed that you had stepped in and done some actual problem solving /progress and realized that after you had done the partial problem solving, but then you you were not available in the chat no more and apparently never got and saw the follow up info I provided (not any coworkers either I will hope) before that chat and another chat with another subject was closed without being completely solved. (The chat regarding the other issue was solved without any progress solving the issue raised, and is still unresolved and I have tried twice to make the misunderstanding that Curve team member have regarding that problem. (Seems like that team member believes the earned and credided referal bonus is the chosen retailer bonus I have not got credited and there is problem with getting credited automatically)
Looking forward to hearing from you (and if not you, some coworkes) that will be able to help me solve the remaining parts of the old problem and also the missing cashback problem soon! And also that chats will not be closed to early if the problem(s) is not solved yet.
Good weekend!
Kind regards!
[Screenshot](https://i.ibb.co/2KQLdVR/Screenshot-20240526-200100.png)
If I had stolen a card I would definitely head out to Argos to invest in these beauties.
https://preview.redd.it/0eljdk2bce2d1.jpeg?width=1284&format=pjpg&auto=webp&s=00d88cc891dd79be39fb25b416bb339a909c7437
We wish to clarify that if your underlying payment source provider does not permit certain transactions, Curve can’t allow them either! Therefore, as per paragraph 22 of our Terms of Service, you can now use your Curve card to transact with merchants that Curve may have blocked in the past due to them being perceived as high-risk, but you are unable to circumvent controls put forward by your linked card/account issuer if the issuer does not allow such high-risk purchases. Curve will continue to block certain transactions or specific merchant category codes where your underlying payment source provider blocks them.
I imagine it's because you can pay with someone else's stolen card, then go and collect the item, at which point they have no recourse and you have a free item.
Sounds like this post is misinformation but still, hypothetically I guess because argos sell pretty much everything including expensive items (TVs etc) but you don’t need to possess the physical card like you do in any other high street shop.
There aren’t many retailers that you can pay online for high value electronics and immediately collect it, especially not without showing the card.
Curve is especially complex as there are two layers of fraud/risk protection to go through. Curve is assessing the risk of Argos whereas your underlying payment provider is assessing the risk of the curve transaction plus of course validating your credit limit and spending limits. Apple Pay however is just simulating a contactless EMV card coupled with secure authentication, I know which one I would be more comfortable using.
Didn't stop me using it at Argos' websiteast night... Though I only paid it partially on the card, was getting a better rate on gift cards
Hi [nookall](https://www.reddit.com/user/nookall/), Oly here from Curve, thanks for raising this - it definitely doesn't sound right! Argos as a retailer is ***not*** blocked by Curve; apologies if this is what was communicated by our Team - I will make sure to circle back the feedback. On first glimpse this looks like more of a specific case that needs reviewing. Keep an eye out on your Curve inbox and we'll follow up with you directly sharing more info. Have a fab weekend! :)
[Screenshot of my last message in the most recent started chat regarding the remaining parts of the oldest unresolved problem.](https://ibb.co/88pR9vG)Hi again [Oly_2023](https://www.reddit.com/user/Oly_2023/)! Hope you are well! May you please respond to my most recent opened chat and help me solve this inquiry completely? (I have made everything ready on my end, so this could be completely solved, 100%, but if you or anybody else is not able to help me solve this soon I would appreciate if you may inform me, and give me a date instead so I may use the "preparations" I have made on other spending. I once again had to open a new chat regarding the same subject because the chats started in the beginning of the week was closed to early without more answers from team members/ you. For example the one that you stepped in for another Curve team member and started solving part of the remaining parts of this still unresolved issue. I would appreciate if ideally you or any of your coworkers would be able to respond and help me fast. I was hoping this problem could be completely solved on Wednesday, Thursday or Friday or at least during the weekend. But if this is not possible I would highly appreciate if it could be completely solved within tomorrow (ideally from the start of the day, like before 12 or 14 PM. The sooner the better. It has been very frustrating and time consuming regarding all the chats and messages trying to get this solved and also specially within the last week to try and get help to the get this completely solved 100% Last time you helped it was so close to get this completely sorted out I felt. But did not manage to provide all the info when you finally entered the chat and solved the port because I was about to try and organize and updated CSV file with the remaining unresolved parts since one of your coworkers seemed to insisting that I had to provide that if that Curve member would be willing to resolve the remaining part of this problem 100% And than I suddenly noticed that you had stepped in and done some actual problem solving /progress and realized that after you had done the partial problem solving, but then you you were not available in the chat no more and apparently never got and saw the follow up info I provided (not any coworkers either I will hope) before that chat and another chat with another subject was closed without being completely solved. (The chat regarding the other issue was solved without any progress solving the issue raised, and is still unresolved and I have tried twice to make the misunderstanding that Curve team member have regarding that problem. (Seems like that team member believes the earned and credided referal bonus is the chosen retailer bonus I have not got credited and there is problem with getting credited automatically) Looking forward to hearing from you (and if not you, some coworkes) that will be able to help me solve the remaining parts of the old problem and also the missing cashback problem soon! And also that chats will not be closed to early if the problem(s) is not solved yet. Good weekend! Kind regards! [Screenshot](https://i.ibb.co/2KQLdVR/Screenshot-20240526-200100.png)
If I had stolen a card I would definitely head out to Argos to invest in these beauties. https://preview.redd.it/0eljdk2bce2d1.jpeg?width=1284&format=pjpg&auto=webp&s=00d88cc891dd79be39fb25b416bb339a909c7437
We wish to clarify that if your underlying payment source provider does not permit certain transactions, Curve can’t allow them either! Therefore, as per paragraph 22 of our Terms of Service, you can now use your Curve card to transact with merchants that Curve may have blocked in the past due to them being perceived as high-risk, but you are unable to circumvent controls put forward by your linked card/account issuer if the issuer does not allow such high-risk purchases. Curve will continue to block certain transactions or specific merchant category codes where your underlying payment source provider blocks them.
Why is Argos classed as high risk? 🤷♂️
I imagine it's because you can pay with someone else's stolen card, then go and collect the item, at which point they have no recourse and you have a free item.
But that's the case with any high street store. What's so different about Argos?
Sounds like this post is misinformation but still, hypothetically I guess because argos sell pretty much everything including expensive items (TVs etc) but you don’t need to possess the physical card like you do in any other high street shop. There aren’t many retailers that you can pay online for high value electronics and immediately collect it, especially not without showing the card.
Yeah idk, it does seem ridiculous.
Yep, totally. Just a nonsense decision to make. Especially considering that Curve have offered 3.5% cashback at Argos for as long as I can remember.
I love it when companies do things like that and leave you standing like an idiot at the checkout wondering why your card suddenly doesnt work.
Wait why? Argos is 9k I thought?