topic Re: CCC's that issue seperate account #'s for AUs in Credit Cards

CCC's that issue seperate account #'s for AUs

ksantangelo23 — Thu, 28 May 2015 00:55:52 GMT

I was wondering, except for American Express, who provide seperate account numbers for AU's? Are there any other issues who do the same? Over half of "my" spending is done by AUs, but can sometimes be a headace to maintain who did what charges

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 00:57:07 GMT

@ksantangelo23 wrote:
I was wondering, except for American Express, who provide seperate account numbers for AU's? Are there any other issues who do the same? Over half of "my" spending is done by AUs, but can sometimes be a headace to maintain who did what charges

Barclay's

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 00:59:35 GMT

Capital One issues separate card #'s for AUs.

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 02:04:23 GMT

I was really suprised when Cap1 sent cards with different numbers when I added my dad to my accounts and he added me to his accounts, they never used to do that.

Re: CCC's that issue seperate account #'s for AUs

ksantangelo23 — Thu, 28 May 2015 03:08:03 GMT

@Anonymous wrote:
I was really suprised when Cap1 sent cards with different numbers when I added my dad to my accounts and he added me to his accounts, they never used to do that.

Oh, wow. That must be new. In 2013, my AU received the same card number.

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 03:19:09 GMT

I fail to see any benefit to the card holder or issuer by using the same numbers. Is there something I'm missing?

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 03:27:47 GMT

Navy Federal started doing it when they started their EMV cards. My wife and I have a joint cashRewards card that used to have the same number, now we each have a different number. It's the same for my Flagship where she is an AU. It makes it easier now who made what charges for paying the bills.

Re: CCC's that issue seperate account #'s for AUs

creditconcept — Thu, 28 May 2015 03:43:45 GMT

Helps you keep track of purchases/ fraudullant purchases eaiser.

Puchase: #1111
Purchase: #1111
Cash Advance: #2222
Purchase: #1111

Like that....!

Re: CCC's that issue seperate account #'s for AUs

creditconcept — Thu, 28 May 2015 03:44:54 GMT

Can't delete, but I read your comment wrong. I thought you said what was the benefit to Different numbers. As for the benefits to same numbers....i have no idea.

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 04:42:32 GMT

TD has separate numbers for AUs, not that they have much to offer beyond that 😑

Re: CCC's that issue seperate account #'s for AUs

Revelate — Thu, 28 May 2015 04:49:36 GMT

Question for you all that have AU's on cards that do that now: Amex ACM's report flatly differently to the bureaus (or at least used to I haven't read anything in a year or so on that), are your AU account still retaining the full history or with the new number is it being installed as a seperate tradeline vis a vis Amex?

Re: CCC's that issue seperate account #'s for AUs

ksantangelo23 — Thu, 28 May 2015 13:55:55 GMT

@Revelate wrote:
Question for you all that have AU's on cards that do that now: Amex ACM's report flatly differently to the bureaus (or at least used to I haven't read anything in a year or so on that), are your AU account still retaining the full history or with the new number is it being installed as a seperate tradeline vis a vis Amex?

AMEX still reports a different account # on the CR's, along with a different opening date to match the date the AU was added. No history along with them

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 18:17:00 GMT

Discover does not - not that I can see, anyway. I like how you can sort Amex and CapOne into different users.

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 19:12:34 GMT

@creditconcept wrote:
Can't delete, but I read your comment wrong. I thought you said what was the benefit to Different numbers. As for the benefits to same numbers....i have no idea.

The ability to track who made the purchase isn't reliant on separate account numbers, the CCC knows which card was used. (If a sig sheet is printed, it will show the name on the card for example).

Re: CCC's that issue seperate account #'s for AUs

ksantangelo23 — Thu, 28 May 2015 19:51:16 GMT

@Anonymous wrote:
@creditconcept wrote:
Can't delete, but I read your comment wrong. I thought you said what was the benefit to Different numbers. As for the benefits to same numbers....i have no idea.
The ability to track who made the purchase isn't reliant on separate account numbers, the CCC knows which card was used. (If a sig sheet is printed, it will show the name on the card for example).

Well, it's great that other CCC's may know who charged what, but Chase sure does not want to let it be known on my statement. At the end of the month, 40, 50 charges, which is a headace to remember who owes what.

Amex is a breeze with seperate logins, and name tags. Even AU statements! Their handling of AU's is a great perk, I'm willing to give up an extra 0.5, 1.0% I may find with other cards in certain categories. But only if I have too.

And im sure not going to keep a pile of receipts with me like it's the 90's

Re: CCC's that issue seperate account #'s for AUs

Anonymous — Thu, 28 May 2015 19:59:01 GMT

@ksantangelo23 wrote:
@Anonymous wrote:
@creditconcept wrote:
Can't delete, but I read your comment wrong. I thought you said what was the benefit to Different numbers. As for the benefits to same numbers....i have no idea.
The ability to track who made the purchase isn't reliant on separate account numbers, the CCC knows which card was used. (If a sig sheet is printed, it will show the name on the card for example).
Well, it's great that other CCC's may know who charged what, but Chase sure does not want to let it be known on my statement. At the end of the month, 40, 50 charges, which is a headace to remember who owes what.

Amex is a breeze with seperate logins, and name tags. Even AU statements! Their handling of AU's is a great perk, I'm willing to give up an extra 0.5, 1.0% I may find with other cards in certain categories. But only if I have too.

And im sure not going to keep a pile of receipts with me like it's the 90's

I wasn't suggesting keeping the receipts, just pointing out that the CC knows without needing different account numbers. So my real point is complain about the design of the site rather than the lack of different account numbers.

So Discover DOES show the name when you expland the transaction, just don't have a convenient way to sort transactions that way.

That said, if it is a CNP transaction, without different account numbers they cannot assign the user, so that is an advantage.