topic Re: AMEX Blacklist and Their Prepaid Card in Credit Cards

AMEX Blacklist and Their Prepaid Card

Anonymous — Fri, 02 Dec 2011 20:41:29 GMT

This is my first post on this forum but I have spent much time over at Mod Cut. Much props to FlyingIFR and Pysch Doc!!! And ofcourse everyone here as well.

Qestion for the Amex gurus:

Does AMEX check their blacklist database before issueing a prepaid card?

Before everyone starts asking why I want one....I just do.

Re: AMEX Blacklist and Their Prepaid Card

Anonymous — Fri, 02 Dec 2011 20:42:04 GMT

@Anonymous wrote:
This is my first post on this forum but I have spent much time over at Mod Cut. Much props to FlyingIFR and Pysch Doc!!! And ofcourse everyone here as well.

Qestion for the Amex gurus:

Does AMEX check their blacklist database before issueing a prepaid card?

Before everyone starts asking why I want one....I just do.

Welcome!

I doubt it, there's no way AMEX can get burned by issuing a prepaid card.

Re: AMEX Blacklist and Their Prepaid Card

Anonymous — Fri, 02 Dec 2011 17:50:00 GMT

Thanks for the reply. I had 3 charged off accounts about 9 years ago. Since they ask for a SSN I thought they may check it against their database for any prior accounts. Thanks again for the reply.

Re: AMEX Blacklist and Their Prepaid Card

Anonymous — Fri, 02 Dec 2011 20:22:43 GMT

There prepaid card email I got said no credit check so it will not affect your credit, so even if you do get declined I see no risk

Re: AMEX Blacklist and Their Prepaid Card

Creditaddict — Fri, 02 Dec 2011 21:47:55 GMT

Also with Amex... the black list seems to go away at some point... Every year or so I apply for a card to see... it kicks back a decline usually within 5 or so minutes... I did it last month and it went to processing instead of instant decline and I almost choked with the thought "Possibly!"

I however have had no trouble being auth on others cards again... I had been kicked off my fathers optima in 2007 but then just a few months later was able to get added onto other accounts...

Re: AMEX Blacklist and Their Prepaid Card

Anonymous — Sat, 03 Dec 2011 00:30:35 GMT

@Anonymous wrote:
Thanks for the reply. I had 3 charged off accounts about 9 years ago. Since they ask for a SSN I thought they may check it against their database for any prior accounts. Thanks again for the reply.

I didn't know they asked for a SSN. Maybe they want to make sure they are only giving prepaid cards to US Citizens.

Re: AMEX Blacklist and Their Prepaid Card

pizzadude — Sat, 03 Dec 2011 03:30:11 GMT

You do not have to be a US citizen, but they are required to verify your identity per the Patriot Act, anti-money laundering laws etc, blah blah blah....

They won't pull your credit for this product but they do have to know who you are.