Currently travelling and visiting Poland. I decided to stop by at a post office and purchase stamps ± €1. Much to my surprise, my curve card did not work. I went on the app and switched to a different credit card and it did work. I was confused by this thinking the initial card might be blocked by the issuer. But no, everything was fine despite the “do not honor” message the issuer sent to curve.
A couple days later, I saw that the transaction went through as a cash advance on the underlying card used. In fact, it went through twice, one of which got refunded and I got charged €10 cash advance fee (twice) by the issuer for a €1 transaction. This is insane…
Bank claims they can’t waive it as it was correctly applied and curve says they passed on the MCC correctly.
My curve fronted ability is disabled & I had no idea a cash advance could occur on a contactless transaction. I thought a pin was required to be honest. Nevertheless, I did not know the post office would charge me as a cash advance. This is the first time I am experiencing this. And it makes my mind uneasy thinking that any merchant can adopt a cash advance MCC in order not to pay CC processing fees.
Anyways, the initial underlying card that denied this knew that charging someone 10x the cost of the transaction is unreasonable. The second one apparently did not know.
I am still escalating this matter with Curve, but I do think they are responsible given my curve fronted settings. Thoughts?
Update: MCC used by the merchant was 4829 money orders - wire transfer. Again, this was for the purchase of a stamp. Do I have grounds to dispute the charge under miscategorization of the merchant and have curve correct this somehow in an attempt to show my bank what happened?