AA Card

Kendall80

I have 2 cards from AA. For the benefit of those who are looking at their latest 0% deals I can confirm that unless there is something amiss they do not always ask for 4 pieces of ID as for the OP. My 2nd AA card arrived this morning - both applications came with the expected minimal fuss. No proof of ID required.


It's possible that they have certain policies where such ID would be required. Perhaps yrs at present address, many recent applications, discrepancy between application and credit report information etc but i'd just like to add my good experiences to the forum (they tend to be under-reported).

grayme-m

Kendall80 wrote: »

I have 2 cards from AA. For the benefit of those who are looking at their latest 0% deals I can confirm that unless there is something amiss they do not always ask for 4 pieces of ID as for the OP. My 2nd AA card arrived this morning - both applications came with the expected minimal fuss. No proof of ID required.


It's possible that they have certain policies where such ID would be required. Perhaps yrs at present address, many recent applications, discrepancy between application and credit report information etc but i'd just like to add my good experiences to the forum (they tend to be under-reported).

Fair enough, it's worked for you.

However, it still stands that where required, other credit card companies are able to overcome the need to check identities without the need for four items of ID signed by a responsible person...

adindas

Kendall80 wrote: »

I have 2 cards from AA. For the benefit of those who are looking at their latest 0% deals I can confirm that unless there is something amiss they do not always ask for 4 pieces of ID as for the OP. My 2nd AA card arrived this morning - both applications came with the expected minimal fuss. No proof of ID required.

I agree with you, good for you. Also as evidenced from people experience on other threads.

Kendall80 wrote: »

It's possible that they have certain policies where such ID would be required. Perhaps yrs at present address, many recent applications, discrepancy between application and credit report information etc .

You are definitely wrong about this. The most likely answer is that they are still packed by incompetent and / or lazy people who can not or do not want to verify people online. So if you get these people making decision on your case then you are out of luck.

The_Urbanite

Kendall80 wrote: »

I have 2 cards from AA. For the benefit of those who are looking at their latest 0% deals I can confirm that unless there is something amiss they do not always ask for 4 pieces of ID as for the OP. My 2nd AA card arrived this morning - both applications came with the expected minimal fuss. No proof of ID required.

Fine for me as well, must be something up with other's applications. Know Your Customer verification is a fact of life when dealing with financial institutions.

eskbanker

adindas wrote: »

You are definitely wrong about this. The most likely answer is that they are still packed by incompetent and / or lazy people who can not or do not want to verify people online. So if you get these people making decision on your case then you are out of luck.

You're entitled to hold your opinions about AA, despite them bordering on a tiresome vendetta sometimes, but it's hardly helpful to claim that another poster is definitely wrong when they suggest some plausible and rational systematic reasons for manual verification that are considerably more likely than your pet theory that it's all down to the whims of incompetent or lazy individuals. Quite apart from anything else, I'd have thought that it's more work for BoI to verify ID manually than electronically so would be surprised if your contention that it's laziness held any water....

grayme-m

I have moved in the last three years, but only one credit card has asked for me to get in my Delorian and drive to the 90s to get paper evidence.

Everyone else seems to have found other ways.

To be honest, the paper evidence wasn't the worst bit (though in an online world it was not easy), it was needing to ask my boss to sign it.

adindas

eskbanker wrote: »

You're entitled to hold your opinions about AA, despite them bordering on a tiresome vendetta sometimes, but it's hardly helpful to claim that another poster is definitely wrong when they suggest some plausible and rational systematic reasons for manual verification that are considerably more likely than your pet theory that it's all down to the whims of incompetent or lazy individuals. Quite apart from anything else, I'd have thought that it's more work for BoI to verify ID manually than electronically so would be surprised if your contention that it's laziness held any water....

Well, it is definitely wrong to claim
"Perhaps yrs at present address, many recent applications..."

Because there are a few cases where this does not hold true have been reported here.

Also if you read the the whole posts on the previous thread there are a few cases were people were asked a lot of paper work where at almost the same they apply the same product on other bank, get accepted immediately. Incompetence and / or laziness might be able to explain this.

I stand corrected, but how come more work for BoI to verify ID manually than electronically ? Many people prefer if someone is preparing the document for them to read free of charge, rather than they will need to search it by themselves.

All they need to do is to send a standard letter. Doing this they actually transfer the workload which they should have done by themselves electronically.

bigadaj

adindas wrote: »

Well, it is definitely wrong to claim
"Perhaps yrs at present address, many recent applications..."

Because there are a few cases where this does not hold true have been reported here.

Also if you read the the whole posts on the previous thread there are a few cases were people were asked a lot of paper work where at almost the same they apply the same product on other bank, get accepted immediately. Incompetence and / or laziness might be able to explain this.

I stand corrected, but how come more work for BoI to verify ID manually than electronically ? Many people prefer if someone is preparing the document for them to read free of charge, rather than they will need to search it by themselves.

All they need to do is to send a standard letter. Doing this they actually transfer the workload which they should have done by themselves electronically.

It's not definitely wrong to claim short time at address isn't a possible factor, the fact that some cases indicate it may not be absolutely critical doesn't mean it's not a factor in other cases.

Laziness is an irrelevant comment, most companies want to reduce costs and maintain efficiencies, their largest cost is probably staff time so manual checks are slower and cost more than electronic ones.

Incompetence is one thing, laziness is another, the first may be a factor whereas the second is almost certainly irrelevant.

I've seen and read enough to avoid financial dealings with AA and boi, and there's plenty of alternatives to choose from, it's up to you if you choose to do the same, you can't and there would be no point in forcing them to deal with you if they don't want to.

eskbanker

adindas wrote: »

Well, it is definitely wrong to claim
"Perhaps yrs at present address, many recent applications..."

Because there are a few cases where this does not hold true have been reported here.

I think you're trying to take this too literally - that poster was suggesting potential reasons/policies as warning signs, which (individually or cumulatively) may make it more likely for a manual check to be made. Just because someone may have posted that they had to verify manually with more than three years at current address wouldn't disprove this!

adindas wrote: »

Also if you read the the whole posts on the previous thread there are a few cases were people were asked a lot of paper work where at almost the same they apply the same product on other bank, get accepted immediately. Incompetence and / or laziness might be able to explain this.

I have no idea why you seem so obsessed with this notion that it's staff incompetence or laziness - obviously nobody on here knows for sure what their criteria are but in general it seems to be accepted that most application/underwriting decisions are automated rather than being dependent on the discretion of low-paid admin staff.

adindas wrote: »

I stand corrected, but how come more work for BoI to verify ID manually than electronically ? Many people prefer if someone is preparing the document for them to read free of charge, rather than they will need to search it by themselves.

All they need to do is to send a standard letter. Doing this they actually transfer the workload which they should have done by themselves electronically.

My assumption is that electronic verification will involve fully automated server-to-server relaying of submitted personal details to a checking service and getting a score back that'll be handled by the processing software with no manual intervention needed. The manual equivalent (presumably only invoked by exception if said score is too low) will involve sending out correspondence and opening/reading/copying/reviewing responses, which to my mind will be substantially more legwork for BoI, so why would they voluntarily do this out of 'laziness'?

adindas

eskbanker wrote: »

I think you're trying to take this too literally - that poster was suggesting potential reasons/policies as warning signs, which (individually or cumulatively) may make it more likely for a manual check to be made. Just because someone may have posted that they had to verify manually with more than three years at current address wouldn't disprove this!

I have no idea why you seem so obsessed with this notion that it's staff incompetence or laziness - obviously nobody on here knows for sure what their criteria are but in general it seems to be accepted that most application/underwriting decisions are automated rather than being dependent on the discretion of low-paid admin staff.

My assumption is that electronic verification will involve fully automated server-to-server relaying of submitted personal details to a checking service and getting a score back that'll be handled by the processing software with no manual intervention needed. The manual equivalent (presumably only invoked by exception if said score is too low) will involve sending out correspondence and opening/reading/copying/reviewing responses, which to my mind will be substantially more legwork for BoI, so why would they voluntarily do this out of 'laziness'?

A lot of argument involved. Here I am showing evidence. Did you read this ? This is just the tips of the iceberg the incompetence of some staffs working at BoI.
https://forums.moneysavingexpert.com/discussion/5388952
https://forums.moneysavingexpert.com/discussion/comment/69894317#Comment_69894317
https://forums.moneysavingexpert.com/discussion/5397960

There are a few more cases has been reported here.

"Perhaps yrs at present address, many recent applications, discrepancy between application and credit report information etc .

Also this statement is wrong. I could easily proof it