AMEX Blacklist and Their Prepaid Card

[Anonymous]

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.

[Anonymous]

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@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.

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Welcome!

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

[Anonymous]

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.

[john398]

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

[Creditaddict]

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...

[Anonymous]

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@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.

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

[pizzadude]

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.