American Express asking for ID documents

[Deleted User]

GingerBob wrote: »

No need to respond to my posts again. Due to the extreme banality of your posts I've put you on my ignore list.

This website is made for people exactly like you

https://www.reddit.com/r/iamverysmart/

PixelPound

If AmEx require you to provide docs, then either comply and send them, or refuse and cancel the application. It's irrelevant whether people people believe they should/shouldn't be allowed to, they are the creditors and it's what they want to justify giving you credit.
Whether or not it's a govt regulation doesn't matter, since telling them govt regulations doesn't require them won't result in them conceding and sending the card without the checks.

[Deleted User]

GingerBob wrote: »

Did I say that? I don't think I did, but if you know otherwise, show me the post where I said so. And when you've done that, trot off to your nearest dictionary and look up 'Ad hominem', then try and put it into practice.

So that would be a no, you don't have an answer then?

JuicyJesus

I don't know why anyone pays even the slightest attention to GingerBob's lunatic, ill-informed ravings. I have him on ignore and it makes life slightly nicer.

GingerBob_3

camelot1971 wrote: »

So that would be a no, you don't have an answer then?

Nope. I definitely didn't say that. You just made it up.

GingerBob_3

JuicyJesus wrote: »

I don't know why anyone pays even the slightest attention to GingerBob's lunatic, ill-informed ravings. I have him on ignore and it makes life slightly nicer.

Clearly you haven't :rotfl:


Come on. Admit it. You DO read what I say.

JuicyJesus

Can't see that.

GingerBob_3

JuicyJesus wrote: »

Can't see that.

So how do you know it's aimed at you then? Or are you simply going to put 'I can't see that' after all my posts, just on the off chance? :eek:

System

Chappaz wrote: »

It may be because, as the name implies, American Express is an American company.

As they are headquartered in the USA and offer their services internationally, they may have stricter checks in place to comply with UK and US laws.

US law doesn't apply here until Kitten Heels signs up as the 51st state.
Probably April 2019 onwards

JuicyJesus

SPalin wrote: »

US law doesn't apply here until Kitten Heels signs up as the 51st state.
Probably April 2019 onwards

It's also irrelevant really because American Express' UK arm is a European subsidiary and as such subject to UK regulation.

But either way, Amex are entitled to ask the OP for whatever documents they feel like asking in exchange for a credit account as they see fit, and are required to do KYC checks including ID checks to their satisfaction - and their satisfaction alone. In response, the OP can refuse to provide them and then they don't get the account. Simple.

For what it's worth when I applied for my Amex no ID was asked for and I got the card in the post a week later, while TSB asked me for ID and proof of address to open a bank account at the same address and Tesco Bank asked for proof of address to open a credit card. Everywhere's different and has their own standards, and there's no "well this bank did X so everyone should". They'd be within their rights to ask every single potential customer for ID should they wish to do so, and equally every single potential customer would be then able to exercise their right to remain "potential".