2 questions:
Do I need a Curve card?
- Only have 2 cards, one Visa and one Mastercard, both debit*.
- Quicker to manually choose card than switch in an app.
- Always know each balance because one is Monzo and the other always has rent plus emergency buffer or just emergency buffer.
*Do I need a credit card?
- Credit score serviced by redundant overdraft.
- “0% overdraft” pot in Monzo and emergency buffer on other account cover unexpected expenses.
- Rent and savings are only regular >£100 transactions, no need for S75 protection. Chargeback available for one-off debit card large transactions.