USD account in UK

Entertainer

Doppleganger wrote: »

Great post - but how do you link the card to an account? I've been wondering how to spend my US$

:beer:

Just phone up Citibank and they will link it to whichever account you want. They say it is done immediately.

guynextdoor82

inmypocketnottheirs wrote: »

I am a little confused!

Are you sure no credit check?

Who actually issued the card?

Thanks!

I'm very very sure that there is no credit check !!
it is issued by American Express

Josh

inmypocketnottheirs

guynextdoor82 wrote: »

I'm very very sure that there is no credit check !!
it is issued by American Express

Josh

Sorry mate, please do not think I don't believe you!:D

But, I am extremely surprised that a major issuer like Am Ex does not credit check applications!

Have you checked Experian, Equifax and Call Credit to ensure that there were no checks?

I have read the t&c's on the link you gave above and they state about using CRA's.

I am just very surprised!

guynextdoor82

inmypocketnottheirs wrote: »

Sorry mate, please do not think I don't believe you!:D

But, I am extremely surprised that a major issuer like Am Ex does not credit check applications!

Have you checked Experian, Equifax and Call Credit to ensure that there were no checks?

I have read the t&c's on the link you gave above and they state about using CRA's.

I am just very surprised!

If you dont believe me then call Amex....all I can say is that Im a experian subscriber and no checks were I think I made is quite clear in the previous post didnt I ?

vikingaero

It is credit checked and probably with Equifax rather than Experian:

"Before signing this Application, it is important that you and any Supplementary Applicant read this paragraph and the
section entitled "Privacy" in the attached Pre-contractual disclosure of terms and conditions for American Express
International Currency Cards, which together describe how we collect and use information about you for the purpose
of processing your application and providing you with the Card service and other appropriate products and services.
By signing this Application, you agree that for the purpose of processing it, American Express may:
(a) carry out credit checks with credit reference agencies by disclosing the information provided by you to such agencies,
who will retain records of such checks that may be used by other organisations in assessing applications from you
and members of your household for credit or other facilities and for preventing fraud and tracing debtors;
(b) check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect
fraud, this will be recorded, which records may be used by us and other organisations to help make decisions about
credit and credit-related services for you and members of your household, help make decisions on motor, household,
credit, life and other insurance proposals and insurance claims for you and members of your household, trace
debtors, recover debt, prevent fraud and manage your Accounts or insurance policies;
(c) check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity;
(d) use various statistical methods (including the results of any credit checks made) to assist in evaluating your
creditworthiness in deciding whether to issue a Card to you; and
(e) contact your employer, bank, building society or any referee approved by you to obtain relevant information to
assess this Application."

guynextdoor82

vikingaero wrote: »

It is credit checked and probably with Equifax rather than Experian:

"Before signing this Application, it is important that you and any Supplementary Applicant read this paragraph and the
section entitled "Privacy" in the attached Pre-contractual disclosure of terms and conditions for American Express
International Currency Cards, which together describe how we collect and use information about you for the purpose
of processing your application and providing you with the Card service and other appropriate products and services.
By signing this Application, you agree that for the purpose of processing it, American Express may:
(a) carry out credit checks with credit reference agencies by disclosing the information provided by you to such agencies,
who will retain records of such checks that may be used by other organisations in assessing applications from you
and members of your household for credit or other facilities and for preventing fraud and tracing debtors;
(b) check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect
fraud, this will be recorded, which records may be used by us and other organisations to help make decisions about
credit and credit-related services for you and members of your household, help make decisions on motor, household,
credit, life and other insurance proposals and insurance claims for you and members of your household, trace
debtors, recover debt, prevent fraud and manage your Accounts or insurance policies;
(c) check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity;
(d) use various statistical methods (including the results of any credit checks made) to assist in evaluating your
creditworthiness in deciding whether to issue a Card to you; and
(e) contact your employer, bank, building society or any referee approved by you to obtain relevant information to
assess this Application."

Mine wasnt as I checked my credit file today and reconfirmed it from AMEX

They only check if they suspect fraud or any indication of falifying data

In anycase the application is NOT MADE ON CREDIT SCORE !! as this card is managed my AMEX new york

inmypocketnottheirs

guynextdoor82 wrote: »

If you dont believe me then call Amex....all I can say is that Im a experian subscriber and no checks were I think I made is quite clear in the previous post didnt I ?

As I said, not that I don't beleive you, just that I am very surprised!

I wonder how they will record conduct on the account with the CRA's if the card s issued from NY. They say in the t&c's that info will be shared.

Thanks.:beer: