# Retroactive Credit Rewards Curve Credit Allows Users to To 'Go Back in Time' on Old Purchases By Daniel Johnson | Published 2020-06-09 | Business Source: Trend Hunter, https://www.trendhunter.com/trends/curve-credit References: [techcrunch](https://techcrunch.com/2020/06/08/curve-quietly-tests-curve-credit/) & [curve](https://www.curve.com/) Curve, the [consolidated banking platform](https://www.trendhunter.com/trends/mastercard-one-credential), is now testing Curve Credit with a small number of customers. Curve Credit is scheduled to be publicly available this year and it offers credit on all purchases done using a Curve card. The company created the feature as a means to compete with point-of-sale finance companies. Curve's new credit feature differentiates itself from other point-of-sale finance companies by providing consumers with the ability to ‘Go Back in Time.’ This means that consumers will be able to retroactively change the [bank account or card](https://www.trendhunter.com/trends/venmo-debit-mastercard) used to process a payment. Users can access the feature through their recent transactions. However, during the testing period and roll out the interest rate will be 0%. Image Credit: Curve ## Trend Insights (Trend Hunter) - Score: 2.5/10 - Popularity: 25% | Activity: 41% | Freshness: 9% - Audience gender: 50% men, 50% women - Primary generations: Gen Z, Millennial, Gen X - Top markets: North America, South America, Europe, Asia, Africa ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Business](https://www.trendhunter.com/business) > [New Ventures](https://www.trendhunter.com/newventures) ## Key Themes ### Why This Trend Is Growing - **Curve Credit:** The introduction of the new credit feature allows users to access credit on all purchases done using a Curve card. - **Retroactive Credit Rewards:** Curve's 'Go Back in Time' empower users to retroactively change the bank account or card used to process a payment. - **Point-of-sale Finance Competition:** The new credit feature is a means for Curve to compete with point-of-sale finance companies. ### Industries Being Reshaped - **Fintech:** The introduction of Curve Credit will disrupt the fintech industry by providing a consolidated banking platform with credit reward feature. - **Credit Cards:** Curve Credit is introducing a new credit feature which will disrupt the credit card industry by allowing users to go back in time and change the card used for a payment retroactively. - **Payment Processing:** Point-of-sale finance companies that dominate the payment processing industry will face competition from the new credit feature by Curve Credit. ## Related on Trend Hunter - [Debit-Like Credit Builders](https://www.trendhunter.com/trends/buildmycreditscore.md) - [Credit-Consolidating Finance Apps](https://www.trendhunter.com/trends/credit-finance-app.md) - [BNPL-Backed Credit Cards](https://www.trendhunter.com/trends/klarna-5.md) - [Cashback Student Rewards Apps](https://www.trendhunter.com/trends/kora-rewards.md) - [Post-Purchase Payment Features](https://www.trendhunter.com/trends/swipe-to-finance.md) - [eCommerce Credit Cards](https://www.trendhunter.com/trends/shopify-credit.md) - [Pay-Later Shopping Cards](https://www.trendhunter.com/trends/klarna-card.md) - [Daily UPI Credit Cards](https://www.trendhunter.com/trends/flex-by-google-pay.md) - [Customizable Credit Rewards](https://www.trendhunter.com/trends/ila-bank.md)