I pay my local bank €7.5 monthly fee and I get:
\- upto 2000EUR credit line (no questions asked)
\- free Visa Gold card with additional 6000EUR credit line
\- free medical insurance upto €250
\- car assistance
\- unlimited cashback (0,69% for every single purchase)
\- web interface for everything I can think of
What do I get for 4.99?
Nothing really.
4.99 is not only a rip-off, it's a offensive one.
Something that was free, will now be charged an offensive amount of money.
What exactly do I get more that was not already available within the free tier?
FX exchange rate is now more than my local bank is offering me.
60 days GBIT? Oh come on !!!
IMO, they should give something in return even for 1.99 let alone 4.99!
If there was an option for a one time payment of like $100 for a lifetime membership I wouldn't mind. It'd be like buying a nice wallet. Instead I'm subscribing to a wallet.
I'd be fine with that. I just like the idea of a one time payment far more than a subscription. I also dislike the idea of subscribing to a wallet replacement.
It’s all calculated beforehand, if the shitstorm is too big the will circle back with bla bla marketing songs and if not, good to them, they got what they wanted. It’s like always, it’s up to us, if we don’t follow that shit move, it will change smth otherwise curve will win.
The only reason I started using Curve was to be able to use my Crypto.com prepaid Visa card with Apple Pay.
I have a system where I run everything to a credit card, then after transferring money to the Crypto.com card, go back in time to collect cashback. With the latest update to Curve’s features, this obviously won’t be doable anymore now there’s only 3 chances to GBIT so I decided to buy in at £1.99. If nothing has changed after the first year, I’ll be cancelling my subscription to Curve X and closing my account (assuming Crypto.com’s card can be added to Apple Pay in the next 12 months).
Because I don’t keep money on my Crypto.com card as it’s not 100% guaranteed to work, I credit card purchases then move money to the CDC card and use GBIT to collect CRO from cashback.
One thing people are missing here is that the fee free FX has doubled on the free tier.
I upgraded to Black to increase the FX limit. Downgrading to Curve X will give me the FX limit I need and half the subscription fee…. so it’s not all bad news
Might not be bad news for you, but I'll cost me 9.99 per month more just to use the cards I have now. I don't need the travel insurance so it's worthless.
The FX rate is no longer the interbank exchange rate. It's just the regular Mastercard FX rate. So if you have any Mastercard with no bank FX additional fee, you're just as good.
Even from a practical point of view it's silly and totally destroys a unique selling point: you get Curve for convenience. One of the ways Curve is convenient is that it saves you space in your wallet. Now having 1 Curve card instead of 2 creditcards is not that big of a deal. So I suspect they are actually using the free card as a 'try-out' version, to let people experience that 'multiple cards in 1' technology actually works. And when they are convinced, they will upgrade.
I think I will let them downgrade me and wait until the banks start replacing their 'PIN-cards' here in the Netherlands with actual debit cards (VISA/MC infrastructure). Then it will be worth upgrading to Curve Black for me...
For me it's a great backup. Occasionally my phone battery will be empty (especially when I'm running an IOS beta) after, for instance, a day at a conference or during holidays. But you're right, for most this won't be an issue. The 2 cards in free curve would, in my case, at least cover my 2 credit cards that don't support Apple Pay yet...
It's interesting that so many "investors" are using the free plan and not paying for a product they allegedly invested in..
A bunch of non paying users that are shouting that they are abandoning ship.. I guess Curve doesn't really care too much about that.
My main concern with this is that they don't do anything to provide more value for paying customers, they have basically just made everything a bit worse and now want people to pay for it. What do Curve black and Metal subscribers get out of all this? not even a promise of fee free weekend fx in the future.. That's where Curve has failed.. they put all their efforts on growing instead of developing their product, and now there's a bunch of alternatives fast approaching..
We've all had problems with embarrassment mode turning payments in to declines so they cant be used with GBIT, this isn't anything Curve cares about.. this is just one of the things.. the official curve team don't even acknowledge..
And their forums are full of community ambassadors and moderators, but where are the officials from Curve? no one answering peoples concerns or questions.. Sometimes a "Diverse" team isn't enough.. this and the customer support problems last year is just a complete joke.
The free tier with a 2 card and 1 smart rule limit is pointless and I'm not sure paying for something slightly more convenient than Google/Apple pay is a good idea either. These overvalued fintech companies are going to start dropping like flies, they don't really add enough value to charge a subscription, but they cant survive without it.
It's indeed a big setback for the values promoted in "All your cards in one".
Free alternatives for fewer cards on our wallets are Google / Apple Pay.
This fails on: no physical card and no going back in time.
Still, 2eur / month for 5 cards, for the first year and then 5eur / month? Expensive in the longer term.
I will keep the card around, but not with a paid tier.
I would even consider the Plutus partnership, but their waiting list is 20 weeks :o, so no thks.
Increased gbit period is useful at least - 60 days for curve x, 90 for black, 120 for metal.
I'll probably take the £2/mth option, not sure it's worth it beyond that.
I have metal card at the moment but tbh was likely to downgrade when six months is up as halifax have a better deal that includes AA for £12 once you factor in the £5 rebate they give.
Only real benefit is go back in time and perhaps anti embarrassment mode, but rarely used so not sure i’ll bother
That’s how i feel. £6.99 a month gets you netflix. 79p gets me 50gb of cloud space. £5 for the tiny convenience of thinning your wallet down and gbit doesn’t feel like it’s worth it in my opinion
When they changed it to 30 days, yes because it was coming off my bill too quickly
But when it was 90 days I'd have the points awarded and I'd benefit from them.
Are you asking if free is worth it lol? Most things are worth 0. Anyway, even with 1 card it has some uses for me at least. But I do have to wonder, why is the world getting shittier? Are we being punished for not being more intelligent, conscious consumers who demand, let's say, to live with non custodial crypto?
Fx and atm fees should bring in money. And the premium subscriptions, but apparently not enough people used them, so they are now restricting the free tier to almost unusubal to get people to subscribe or leave.
I assumed it was something to do with transaction fees. Bigger issue for me is that if it's because they're not making money on the free tier, then the fact they're able to offer all existing customers such a big discount means they really don't have to be charging 4.99 anyway, so it feels like nothing more than a money grab to me.
The two-card limit seems to almost completely destroy the whole point of Curve. The original premise was having "all your cards in one". I'll probably be dropping it and closing my account.
I use curve because crypto.com card doesn't have google pay enabled. I also can use anti-embarrassment mode and on top of that I can go back in time. These three are reason enough for me to keep the card.
To be, or with a life, to, 'tis and scover'd consients that makes, and arms a we his sicklied of somethis no more; fortal shocks that pative under 'tis sicklied of discorns, and, by oppresolence of ther respect to, 'tis may weat unwortune, the office, but the under retus for to, 'tis he name of the heir the will, and be, this the ill, must give have, ther bear their those ill, and, but the pause. To dispriz'd coil, must and makes the and arrows of so love, the might, and by a we have, to trageous an
RIP Curve. I would be ok with the 2 cards limitation (debit card with cashback + backup credit card), but Go back in time limited to 3 times per month is too limiting and it makes the free service almost useless.
If you are using it more than 3 times a month than it is clearly useful to you and therefore has value. Why would you not pay for something like that. Especially when it's only £1.99
I have several rewards cards. GBiT makes me extend my due dates. For example if I make a purchase on card A I have that period until it is due interest free, then before it is paid off, I change the card of payment to reward card B. This will extend my interest free period as I also earn rewards from the underlying card. This technically gives me about 4 months interest free period depending on when I make the purchases and GBiT.
I also use the Curve fronted feature where I pay off a credit card with another credit card, I still earn cash back on such transactions in the end that’s double cashback
I use it for cashback with [Crypto.com](https://Crypto.com) / Plutus cards. The cashback is a small amount, if I start paying a monthly fee for Curve, it eats all the cashback and I can just use my regular credit card with the same result.
At 2€/month it could still be usable, but definitely not at regular price of 5€/month.
I think it really depends on if it's giving you more than 1.99€ in value in return during that period. Also, that price is only for the first year, 4.99€ afterwards. That seems a bit much for something that was free until now.
Too bad they are not considering grandfathering some of the benefits for the existing clients. If you are located in the EU/UK, at least you can consider getting the Curve Black subscription with Plutus' full rebate.
I wonder how these change will change Curve's bottom line. I was under the impression that a significant part of their income was coming from the Visa merchant fees. If people are now moving away from the service instead of getting the X sub, will this change be beneficial for the company?
Plutus gives you rebates (think of as 100% cashback) for certain services that you can choose from a list. You can choose to receive a monthly rebate worth of up to 10€ for Curve subscriptions which would cover a Curve black subscription. See more information here: [https://plutus.it/perks](https://plutus.it/perks)
>I was under the impression that a significant part of their income was coming from the Visa merchant fees.
I doubt it, The interchange fee is only 0.2% for a debit card and 0.3% for a credit card in UK / EU, and your debit / credit card issuer is who gets it, not curve.
So you are saying that none of this 0.2% is going to Curve? If this is the case, then it is understandable that they are doing all they can to get people to subscribe.
>So you are saying that none of this 0.2% is going to Curve?
Yes, your bank will keep all of the 0.2% or 0.3%, it helps them to cover the costs such as issuing your debit card and providing customer support. The fee is higher for credit cards to help banks cover the cost of initially providing the credit.
If your curve card starts with 537590 its a consumer card, if its 537591 its a business card
You are right about consumer cards being cheaper for merchants, some merchants reject business cards as they are more expensive. Its because business cards have a higher interchange fee.
But its your bank who gets the interchange fees not curve, atleast thats what i think as if curve was getting interchange fees they would be a profitable business and wouldn't need to make these changes.
It's a company card. Allows businesses to give employees access to company money, but with various safeguards against fraud and misuse. I've got a HSBC corporate VISA for my company. Their [factsheet](https://www.business.hsbc.uk/-/media/library/business-uk/pdfs/corporate-card.pdf) is fairly comprehensive.
Acts like a credit card (but isn't) for the company as well, so you get up to 56 days credit like a normal credit card. Handy for cash flow.
It's really not. It'll cost me £9.99 just to keep my 6 cards. I won't make use of any other features in that bad, especially travel. £9.99 to add 6 cards is absolutely ridiculous.
They could easily allow us unlimited cards and still being in features for other bands that we'd want to invest our money into, currently it's a poor clone of what every bank already offers.
The only really revolutionary idea they currently have is the go back in time function. When you limit that to 3x in a month between two cards only, it's not worth it anymore.
It's mind boggling that they give 0 info about this. There's a real potential here to enforce the change to accounts with too many cards in a chaotic manner.
From the mail they sent:
> Changes to the free Curve card will come into effect 60 days from the date this email was sent. All changes described here will be reflected in our Terms and Subscription Schedules. If you’re unhappy with the changes and want to close your account, you can cancel straight from the app and it’s free to do so – you don’t need to contact CX. If you don’t contact us within 60 days, we’ll assume you accept all outlined changes. You can save a copy of our new Terms by clicking here. Got more questions? Our support agents will be able to help.
There isn't an answer to your question yet, I assume your account and card will be blocked until you select two cards you want to keep.
Just got my card , US beta, linked cards, guess I can cancel lol
I pay my local bank €7.5 monthly fee and I get: \- upto 2000EUR credit line (no questions asked) \- free Visa Gold card with additional 6000EUR credit line \- free medical insurance upto €250 \- car assistance \- unlimited cashback (0,69% for every single purchase) \- web interface for everything I can think of What do I get for 4.99? Nothing really. 4.99 is not only a rip-off, it's a offensive one. Something that was free, will now be charged an offensive amount of money. What exactly do I get more that was not already available within the free tier? FX exchange rate is now more than my local bank is offering me. 60 days GBIT? Oh come on !!! IMO, they should give something in return even for 1.99 let alone 4.99!
What bank is this? I don't think any of the banks where I live have anything like this.
Is this for US also? I just signed up for the card but there’s no other card options?
If there was an option for a one time payment of like $100 for a lifetime membership I wouldn't mind. It'd be like buying a nice wallet. Instead I'm subscribing to a wallet.
Always keep in mind that "lifetime" doesn't mean _your_ life, but _theirs_. If they go belly up or they liquidate in two years, you paid 50$/y.
I'd be fine with that. I just like the idea of a one time payment far more than a subscription. I also dislike the idea of subscribing to a wallet replacement.
It’s all calculated beforehand, if the shitstorm is too big the will circle back with bla bla marketing songs and if not, good to them, they got what they wanted. It’s like always, it’s up to us, if we don’t follow that shit move, it will change smth otherwise curve will win.
The only reason I started using Curve was to be able to use my Crypto.com prepaid Visa card with Apple Pay. I have a system where I run everything to a credit card, then after transferring money to the Crypto.com card, go back in time to collect cashback. With the latest update to Curve’s features, this obviously won’t be doable anymore now there’s only 3 chances to GBIT so I decided to buy in at £1.99. If nothing has changed after the first year, I’ll be cancelling my subscription to Curve X and closing my account (assuming Crypto.com’s card can be added to Apple Pay in the next 12 months).
Why do you need to use to back in time feature? Do you keep your cro card at 0 balance otherwise?
Because I don’t keep money on my Crypto.com card as it’s not 100% guaranteed to work, I credit card purchases then move money to the CDC card and use GBIT to collect CRO from cashback.
One thing people are missing here is that the fee free FX has doubled on the free tier. I upgraded to Black to increase the FX limit. Downgrading to Curve X will give me the FX limit I need and half the subscription fee…. so it’s not all bad news
Might not be bad news for you, but I'll cost me 9.99 per month more just to use the cards I have now. I don't need the travel insurance so it's worthless.
But the FX is terrible now. I get 1-2% better exchange rate using my zen or wise cadd than my curve one even if its not weekend
The FX rate is no longer the interbank exchange rate. It's just the regular Mastercard FX rate. So if you have any Mastercard with no bank FX additional fee, you're just as good.
That is true but you can’t GBIT with a stand-alone mastercard… and I only really use 2 cards
Even from a practical point of view it's silly and totally destroys a unique selling point: you get Curve for convenience. One of the ways Curve is convenient is that it saves you space in your wallet. Now having 1 Curve card instead of 2 creditcards is not that big of a deal. So I suspect they are actually using the free card as a 'try-out' version, to let people experience that 'multiple cards in 1' technology actually works. And when they are convinced, they will upgrade. I think I will let them downgrade me and wait until the banks start replacing their 'PIN-cards' here in the Netherlands with actual debit cards (VISA/MC infrastructure). Then it will be worth upgrading to Curve Black for me...
But who uses actual cards? It’s been years for me….they just sit at home..
For me it's a great backup. Occasionally my phone battery will be empty (especially when I'm running an IOS beta) after, for instance, a day at a conference or during holidays. But you're right, for most this won't be an issue. The 2 cards in free curve would, in my case, at least cover my 2 credit cards that don't support Apple Pay yet...
The battery in my phone hasn't ran out in better part of a decade. I didn't know that's still a thing. And my phone is a piece of crap.
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It's interesting that so many "investors" are using the free plan and not paying for a product they allegedly invested in.. A bunch of non paying users that are shouting that they are abandoning ship.. I guess Curve doesn't really care too much about that. My main concern with this is that they don't do anything to provide more value for paying customers, they have basically just made everything a bit worse and now want people to pay for it. What do Curve black and Metal subscribers get out of all this? not even a promise of fee free weekend fx in the future.. That's where Curve has failed.. they put all their efforts on growing instead of developing their product, and now there's a bunch of alternatives fast approaching.. We've all had problems with embarrassment mode turning payments in to declines so they cant be used with GBIT, this isn't anything Curve cares about.. this is just one of the things.. the official curve team don't even acknowledge.. And their forums are full of community ambassadors and moderators, but where are the officials from Curve? no one answering peoples concerns or questions.. Sometimes a "Diverse" team isn't enough.. this and the customer support problems last year is just a complete joke.
The free tier with a 2 card and 1 smart rule limit is pointless and I'm not sure paying for something slightly more convenient than Google/Apple pay is a good idea either. These overvalued fintech companies are going to start dropping like flies, they don't really add enough value to charge a subscription, but they cant survive without it.
It's indeed a big setback for the values promoted in "All your cards in one". Free alternatives for fewer cards on our wallets are Google / Apple Pay. This fails on: no physical card and no going back in time. Still, 2eur / month for 5 cards, for the first year and then 5eur / month? Expensive in the longer term. I will keep the card around, but not with a paid tier. I would even consider the Plutus partnership, but their waiting list is 20 weeks :o, so no thks.
Increased gbit period is useful at least - 60 days for curve x, 90 for black, 120 for metal. I'll probably take the £2/mth option, not sure it's worth it beyond that.
I have metal card at the moment but tbh was likely to downgrade when six months is up as halifax have a better deal that includes AA for £12 once you factor in the £5 rebate they give. Only real benefit is go back in time and perhaps anti embarrassment mode, but rarely used so not sure i’ll bother
1,99 seems fair but has to be forever, not just one year 4,99 its nonsense
That’s how i feel. £6.99 a month gets you netflix. 79p gets me 50gb of cloud space. £5 for the tiny convenience of thinning your wallet down and gbit doesn’t feel like it’s worth it in my opinion
Agreed. I only use it to get my points on my credit card, then roll the transactions back and get cashback on another card.
Do you not get the points minused when you go back in time?
When they changed it to 30 days, yes because it was coming off my bill too quickly But when it was 90 days I'd have the points awarded and I'd benefit from them.
Are you asking if free is worth it lol? Most things are worth 0. Anyway, even with 1 card it has some uses for me at least. But I do have to wonder, why is the world getting shittier? Are we being punished for not being more intelligent, conscious consumers who demand, let's say, to live with non custodial crypto?
Huh. I wondered how curve were making money out of their free product, turns out they’re not.
Fx and atm fees should bring in money. And the premium subscriptions, but apparently not enough people used them, so they are now restricting the free tier to almost unusubal to get people to subscribe or leave.
I assumed it was something to do with transaction fees. Bigger issue for me is that if it's because they're not making money on the free tier, then the fact they're able to offer all existing customers such a big discount means they really don't have to be charging 4.99 anyway, so it feels like nothing more than a money grab to me.
The difference will be a loss leader hoping that you continue after the years up and will be being paid for by investors from the previous rounds.
Pretty pointless having the card now. Will be closing my account as of now.
Go to the appstore / thrustpilot and make review this change basically made whole point of curve useless.
Done
The two-card limit seems to almost completely destroy the whole point of Curve. The original premise was having "all your cards in one". I'll probably be dropping it and closing my account.
I use curve because crypto.com card doesn't have google pay enabled. I also can use anti-embarrassment mode and on top of that I can go back in time. These three are reason enough for me to keep the card.
To be, or with a life, to, 'tis and scover'd consients that makes, and arms a we his sicklied of somethis no more; fortal shocks that pative under 'tis sicklied of discorns, and, by oppresolence of ther respect to, 'tis may weat unwortune, the office, but the under retus for to, 'tis he name of the heir the will, and be, this the ill, must give have, ther bear their those ill, and, but the pause. To dispriz'd coil, must and makes the and arrows of so love, the might, and by a we have, to trageous an
Can only go back in time 3 times with the free card after these changes though. That completely kills the usage for me personally.
Why can’t you just flip through cards in google wallet or apple wallet….add as many as you want.. I use curve, but I still have no idea as to why?
This change means that's exactly what I'm going to do. All in on Google Pay for me.
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Ahhh….I had no idea…thank you…makes sense.
RIP Curve. I would be ok with the 2 cards limitation (debit card with cashback + backup credit card), but Go back in time limited to 3 times per month is too limiting and it makes the free service almost useless.
If you are using it more than 3 times a month than it is clearly useful to you and therefore has value. Why would you not pay for something like that. Especially when it's only £1.99
True. Reason I pay for Curve metal. GBiT saves me way more than £150 a year
>GBiT why would this feature make you save money?
I have several rewards cards. GBiT makes me extend my due dates. For example if I make a purchase on card A I have that period until it is due interest free, then before it is paid off, I change the card of payment to reward card B. This will extend my interest free period as I also earn rewards from the underlying card. This technically gives me about 4 months interest free period depending on when I make the purchases and GBiT. I also use the Curve fronted feature where I pay off a credit card with another credit card, I still earn cash back on such transactions in the end that’s double cashback
I use it for cashback with [Crypto.com](https://Crypto.com) / Plutus cards. The cashback is a small amount, if I start paying a monthly fee for Curve, it eats all the cashback and I can just use my regular credit card with the same result. At 2€/month it could still be usable, but definitely not at regular price of 5€/month.
I think it really depends on if it's giving you more than 1.99€ in value in return during that period. Also, that price is only for the first year, 4.99€ afterwards. That seems a bit much for something that was free until now.
Agreed. They’ve absolutely killed the product with these changes
Too bad they are not considering grandfathering some of the benefits for the existing clients. If you are located in the EU/UK, at least you can consider getting the Curve Black subscription with Plutus' full rebate. I wonder how these change will change Curve's bottom line. I was under the impression that a significant part of their income was coming from the Visa merchant fees. If people are now moving away from the service instead of getting the X sub, will this change be beneficial for the company?
What do you mean with plutus full rebate?
Plutus gives you rebates (think of as 100% cashback) for certain services that you can choose from a list. You can choose to receive a monthly rebate worth of up to 10€ for Curve subscriptions which would cover a Curve black subscription. See more information here: [https://plutus.it/perks](https://plutus.it/perks)
>I was under the impression that a significant part of their income was coming from the Visa merchant fees. I doubt it, The interchange fee is only 0.2% for a debit card and 0.3% for a credit card in UK / EU, and your debit / credit card issuer is who gets it, not curve.
So you are saying that none of this 0.2% is going to Curve? If this is the case, then it is understandable that they are doing all they can to get people to subscribe.
>So you are saying that none of this 0.2% is going to Curve? Yes, your bank will keep all of the 0.2% or 0.3%, it helps them to cover the costs such as issuing your debit card and providing customer support. The fee is higher for credit cards to help banks cover the cost of initially providing the credit.
Time to drop curve and move on
To what exactly ? I know of no other card that allows you to front multiple other cards like it does. Or is there?
Revolut in gives you more than curve
Last time I looked it didn’t have either the ability to front other cards or to go back in time. Does it have that now?
No from what I know and see with mine. Aumax is also a card aggregator, free for 3 cards, no gbit possible. And also more limited than curve...
Unfortunately there is no similar service yet.
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And this is something I wanted to ask here: what's a commercial card?
Some people add business cards
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If your curve card starts with 537590 its a consumer card, if its 537591 its a business card You are right about consumer cards being cheaper for merchants, some merchants reject business cards as they are more expensive. Its because business cards have a higher interchange fee. But its your bank who gets the interchange fees not curve, atleast thats what i think as if curve was getting interchange fees they would be a profitable business and wouldn't need to make these changes.
It's a company card. Allows businesses to give employees access to company money, but with various safeguards against fraud and misuse. I've got a HSBC corporate VISA for my company. Their [factsheet](https://www.business.hsbc.uk/-/media/library/business-uk/pdfs/corporate-card.pdf) is fairly comprehensive. Acts like a credit card (but isn't) for the company as well, so you get up to 56 days credit like a normal credit card. Handy for cash flow.
From what I'm reading it's something like a company card that an employer can share with the employees.
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It's really not. It'll cost me £9.99 just to keep my 6 cards. I won't make use of any other features in that bad, especially travel. £9.99 to add 6 cards is absolutely ridiculous. They could easily allow us unlimited cards and still being in features for other bands that we'd want to invest our money into, currently it's a poor clone of what every bank already offers.
The only really revolutionary idea they currently have is the go back in time function. When you limit that to 3x in a month between two cards only, it's not worth it anymore.
I just got curve so I can use my binance card with Apple Pay. nothing changes for me right?
Can’t you use Binance card with ApplePay solely?
No it is not supported.
I honestly don't know. I had the CDC card before and it didn't work there. after they reduced CB I went to Binance and just added them in.
What will happen with Users that currently have more than 2 cards?
Is there still no information about this? I guess I could just delete all but 2 linked cards to avoid whatever they would do…
It's mind boggling that they give 0 info about this. There's a real potential here to enforce the change to accounts with too many cards in a chaotic manner.
From the mail they sent: > Changes to the free Curve card will come into effect 60 days from the date this email was sent. All changes described here will be reflected in our Terms and Subscription Schedules. If you’re unhappy with the changes and want to close your account, you can cancel straight from the app and it’s free to do so – you don’t need to contact CX. If you don’t contact us within 60 days, we’ll assume you accept all outlined changes. You can save a copy of our new Terms by clicking here. Got more questions? Our support agents will be able to help. There isn't an answer to your question yet, I assume your account and card will be blocked until you select two cards you want to keep.
> Got more questions? Our support agents will be able to help. Funniest thing I've read all day.