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Any identity risks when using Amex ExpressPay, Discover Zip, etc?

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injustifiiable
Valued Contributor
‎11-01-2012 01:29 PM
‎11-01-2012 01:29 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

7-Eleven is another place...we don't have them in my hometown but when I go to NYC I always stop by one to have a Slurpee.

 

Could use one now. lol

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 11 of 25
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injustifiiable
Valued Contributor
‎11-01-2012 01:30 PM
‎11-01-2012 01:30 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

@GoldenloveNY wrote:

Some places like Walgreens it's not worth it. I pass my card across their machine, but I still have to tap the screen, select "credit", and select "yes" when it ask me if the amount is okay. What's the purpose of having ExpressPay then? CVS, on the other, just processed my charge, and I am done in a sec.

I noticed that too, there and at Duane Reade (owned by Walgreens)....kinda stupid if you ask me. lol

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 12 of 25
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jsickz32
Valued Contributor
‎11-01-2012 01:34 PM
‎11-01-2012 01:34 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

wait if you order one of these for your amex card they come with a chip?

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 13 of 25
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GoldenloveNY
Frequent Contributor
‎11-01-2012 01:34 PM
‎11-01-2012 01:34 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

@injustifiiable wrote:
@GoldenloveNY wrote:

Some places like Walgreens it's not worth it. I pass my card across their machine, but I still have to tap the screen, select "credit", and select "yes" when it ask me if the amount is okay. What's the purpose of having ExpressPay then? CVS, on the other, just processed my charge, and I am done in a sec.

I noticed that too, there and at Duane Reade (owned by Walgreens)....kinda stupid if you ask me. lol

 

And the cashier always ask me "what's you zip code?"...for the love of God!!! I think paying with cash would be a quicker process....

 

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 14 of 25
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GoldenloveNY
Frequent Contributor
‎11-01-2012 01:35 PM
‎11-01-2012 01:35 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

@jsickz32 wrote:

wait if you order one of these for your amex card they come with a chip?

Mine ZYNC didn't I had to call and request one with the ExpressPay Chip. They overnighted the card.

 

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 15 of 25
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jsickz32
Valued Contributor
‎11-01-2012 01:37 PM
‎11-01-2012 01:37 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

@GoldenloveNY wrote:
@injustifiiable wrote:
@GoldenloveNY wrote:

Some places like Walgreens it's not worth it. I pass my card across their machine, but I still have to tap the screen, select "credit", and select "yes" when it ask me if the amount is okay. What's the purpose of having ExpressPay then? CVS, on the other, just processed my charge, and I am done in a sec.

I noticed that too, there and at Duane Reade (owned by Walgreens)....kinda stupid if you ask me. lol

 

And the cashier always ask me "what's you zip code?"...for the love of God!!! I think paying with cash would be a quicker process....

 

i always get this too when using my amex at walgreens! even with my BofA amex

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 16 of 25
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jsickz32
Valued Contributor
‎11-01-2012 01:38 PM
‎11-01-2012 01:38 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

@GoldenloveNY wrote:
@jsickz32 wrote:

wait if you order one of these for your amex card they come with a chip?

Mine ZYNC didn't I had to call and request one with the ExpressPay Chip. They overnighted the card.

 

i know but is it a actual chip in front of the card? can you order this on any amex card? cuz i think it would look weird on a bce lol

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 17 of 25
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injustifiiable
Valued Contributor
‎11-01-2012 01:39 PM
‎11-01-2012 01:39 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

@jsickz32 wrote:
@GoldenloveNY wrote:
@jsickz32 wrote:

wait if you order one of these for your amex card they come with a chip?

Mine ZYNC didn't I had to call and request one with the ExpressPay Chip. They overnighted the card.

 

i know but is it a actual chip in front of the card? can you order this on any amex card? cuz i think it would look weird on a bce lol

No, it's a RFID chip so it's built in. Not like the EMV one...

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 18 of 25
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Dustink
Valued Contributor
‎11-01-2012 01:42 PM
‎11-01-2012 01:42 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

Usually somebody needs a name and address to use a card. So there is some protection there.

 

Also, only authorized RFID readers that are registered with their respective issue can process the card via RFID. So there is also some protection there.

 

I think the risk is just about as high as getting info stolen any other way. People don't generally get close enough to people they don't know for them to steal info via RFID, so again some protection there.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 19 of 25
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GoldenloveNY
Frequent Contributor
‎11-01-2012 01:43 PM
‎11-01-2012 01:43 PM

Re: Any identity risks when using Amex ExpressPay, Discover Zip, etc?

@jsickz32 wrote:
@GoldenloveNY wrote:
@jsickz32 wrote:

wait if you order one of these for your amex card they come with a chip?

Mine ZYNC didn't I had to call and request one with the ExpressPay Chip. They overnighted the card.

 

i know but is it a actual chip in front of the card? can you order this on any amex card? cuz i think it would look weird on a bce lol

The chip is inside the card. The card is thicker than non-express pay cards (looks like two cards are glued together).

 

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 20 of 25
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