Forum

Credit card name
 

Guys, let's say my name on the card is John Smith and when I write details on my amazon account I type Jo Smi(or any derivations). All other details are correct,zip code,etc. Will there be any problem ?

Re: Credit card name
 

Door number and Zip Code is all that need to match

Re: Credit card name
 

No, the names do not verify. Just the house number and the zip code. What is in BLUE is what they verify:

John Smith
123 Main Street
Anytown, USA 12345

For anything other than that, they would have to call the credit card issuer.

Re: Credit card name
 

Agree with the replies OP - name is not needed to match the cc

Re: Credit card name
 

Correct me if I'm wrong, but this means that anyone with a few REAL credit cards could use them to make several stealth accounts, no?

Just update the addresses online to various stealth addresses, open an account, then change them back.

Would this work? Obviously your card issuer might not like it, but if gift cards are failing....

Re: Credit card name
 

That would be a very good way to get your bank looking into what your doing.

Amazon also does test charges. As soon as it does a test charge and the charge fails due to the new address then they will have questions.

Re: Credit card name
 

If you changed it several times in a short period, sure.

But I change my credit card addresses regularly (I move a lot) and never had any issues.

Also, several credit cards = several addresses!

But the verification could be an issue. My solution:

Rent PO box for each CC, then use that for your "address". Sign up for e-statements for each card. Do everything online. No need for snail mail. Not cheap, but it would work.

Do you see this as a viable solution James?

Re: Credit card name
 

So what your suggesting is to register each of your CCs to a different address?

I cannot start to explain how much that would bugger up your credit rating for starters.

Changing address on a CC is fine. People move, sometimes even every few months

Changing it from one address to another then back to the original address after its been used stands out for me as not right and I am sure the CC companies would see it that way as well.

Overall its a bad idea

Re: Credit card name
 

Not sure how it works in England, but in the USA, your address has NOTHING to do with your credit score....

EDIT: Changing your address does not affect your credit score in the UK either....

The addresses you are linked to - Experian CreditExpert

Did a quick search, I'm not the first to think of this solution. Jeff does it, apparently it works.

http://www.aspkin.com/forums/amazon/...tml#post676292

Can you explain why, in light of the above? What about the idea specifically is "bad"? I agree, it's inconvenient---certainly NOT advocating this as the "be all end all" solution, but it does resolve the Gift card problem.

Most people I believe have more than one CC---if not, easy enough to get more.

Re: Credit card name
 

Its not as simple as that in the UK... Frequent address changes in the UK do not look good. Cards registered to lots of different address does not look good. Simple as that. Argue against that as much as you want but that is just the way it is.

If you want to go ahead and register your CCs to lots of different address go ahead. If you cannot see why its a bad plan then me trying to put my point accross will change your mind on that. You do tend to have 1 idea and then stick to it, even if you have a hundred other people telling you otherwise :thumb:

In theory yes it all can work. But no way would I take that risk with my credit rating (even if th risk is minute) or with the banks asking me why I have 10 different addresses on file over the last few months.

Let us know how you get on

Re: Credit card name
 

I am stubborn when I know I'm correct.

Changing your address DOES NOT affect your credit score in the USA or UK.


Check the link above. This info is from EXPERIAN, not me.

It COULD pose an issue to your BANK, and given that the info is real, you might not want to add random different addresses. However, it DOES NOT affect your credit score AT ALL, and it works.

The ONLY issue is having random addresses potentially showing up on your credit report, but this does NOT affect your score, nor your ability to obtain loans or credit. It just looks weird.

If you have a counter argument that deals with the above, I'm all ears.

Re: Credit card name
 

Come to the UK, live here for a few years and change your address once a month.

Then see how easily you can get a mortgage while explainging to the bank why you have lived at 20 different addresses over the last 4 years.

If you can without issue then well done you are indeed right. Until then...

Re: Credit card name
 

I want to iterate something:

I don't endorse this as "the solution". I'm simply suggesting it as an alternative.

I certainly would rather use a Gift card, BUT, if I needed to use a real one to create an account, I would. This is my income we're talking about.

As always, do your research before taking action. Do it if it makes sense for you.

Changing addresses doesn't affect your score. It MIGHT however, show up on your report.

Re: Credit card name
 

I see nothing that says that changing address does not effect your credit rating. I see it saying that the address itself does not accept your rating, and that is correct, but that is a different point

Try reading THIS

HERE is another article

Looking like you are frequently moving address is NOT good in lenders eyes no matter how much you think otherwise.

Re: Credit card name
 

A debit card might work as well. You can just go to dozens of local banks and for each account you can get a debit card. For each account, you can assign a different address . No need to complicate things with credit card(and this credit rating)

Re: Credit card name
 

The way you wrote your suggestion seemed like you were endorsing it - just be clearer then

Re: Credit card name
 

I will concede that having too many address changes on your credit report could adversely affect a mortgage application, but it still does NOT hurt your credit rating/score. It COULD negatively affect a HUMAN bankers opinion of your status (obviously because applying for a 15-30 year loan to live in one place, they want to to LIVE there.)

This is FAR different from what you originally claimed, since a mortgage is only ONE type of credit out of MANY, and MANY individuals may never apply for a mortgage in their life. Since other types of credit are NOT affected (business loans, auto loans, credit cards, etc etc) that is a VERY significant distinction. (just so you know I'm not being nitty gritty on details)

That said, I propose 2 solutions:

1. Use a PO Box. Obviously any banker will know you didn't "move to" or "live at" a PO Box.

2. Use a debit card in place of a credit card. Same concept, but since 99% of savings/checking accounts do NOT report to the credit companies, your address changes won't show up on your credit score.

Bottom line: Do NOT change the address on your credit cards too often if you intend on getting a mortgage, it could have an adverse affect. Use debit cards instead.

Amazon Gift card panic RESOLVED.

Re: Credit card name
 

Firstly just to be clear there is no actual thing as a 'credit score' in the UK.

A credit score is just the score given by certain scoring agencies (experian for example) to give you a rough idea of what a bank will mark you as when you apply for credit card/loan ect (or a phone contact from a phone company ect)

I hate to say this but this day and age a mortgage advisers opinion does not mean much. Its all done by numbers.

Try registering a PayPal account to a PO box and see how far you get.... PO box for returns is fine but for a main registration address is not a great idea .

Current accounts in the UK do report to credit agencies. Savings account in the UK do not come with cards that can be used on PayPal (that I am aware of)

I really think you need to do a lot more research in your ideas before putting them forward as facts GOA. It can lead to a lot of confussion

Re: Credit card name
 

WHAT??!?! The USA isn't the center of the universe? Bu---but----'MERICA!

Seriously though.

Let me explain in more detail:

Using a PO Box STREET address, and/or UPS Box (I realize there is a distinction, but when I say "PO Box" I use them interchangeably).

Same with checking/savings accounts. You're correct, savings accounts generally do not have debit cards. But when you have a checking account with a bank, it's no hassle to open a savings account with it. These are really semantics.....

Point is, changing addresses doesn't affect your credit score, credit rating, whatever it is in the UK....

2/3 of the bureaus in charge of credit reporting handle BOTH the USA and UK. Experian and Equifax, to be specific. I'll admit complete ignorance to how "Call Credit" handles credit information, as I've never dealt with them....

Perhaps it affects THEIR version of credit worthiness, and if so, my apologies for assuming it doesn't. America is not the only country in the world. Sometimes I forget this is an INTERNATIONAL forum.

Either way, correct me if I'm wrong...but debit cards do no report to the credit bureaus in either case. If so, using a debit card would work just fine. Just turn OFF "overdraft protection" or whatever the equivalent with your bank/country happens to be.

Re: Credit card name
 

Point is, changing addresses does affect your credit score, credit rating, whatever it is in the UK.... < Fixed

Show me an example of someone in the know saying that constant address changes has no effect on credit worthiness. So far the only link you have show says that the address itself does not affect credit worthiness. And that is true, the address itself will not efect the way a lender views an aplicant becuase there is no such thing as a black listed address. Constantly changing an address WILL effect the way lenders view an applicant.

Current accounts and savings accounts are also very different.

A saving account and a basic account are more similar

A debit card is often linked to a current account and current accounts do report to the credit bureaus. The debit card itself will not, but in order to change the address on the debit card the address on the current account will need to be changed

Re: Credit card name
 

Ok, done.

https://www.freecreditscore.com/blog...g-hurt-credit/


Freedcreditscore.com is a subsidiary of EXPERIAN, a major credit bureau of both the USA an UK

Re: Credit card name
 

That is talking about a one off change of address, and what it says is correct. A one off change of address will not make too much of a difference

Why not pop them over an email and ask if changing address 5/10 times in a year is sill OK and will have no effect on credit worthiness. I think common sense should tell you that it would make a differnce.

Re: Credit card name
 

Address changes are NOT calculated in credit scores, EVER.

FICO Credit Score Chart: How credit scores are calculated

BUT, they are LISTED. Therefore, a human being can see your address history, and thus, COULD be viewed in a negative way, since a human is looking at it.

Since debit cards can be used the same way, and most DO NOT report to the credit bureaus, since they aren't offering you credit. Therefore DEBIT CARDS can be used in the exact same way, with 0 impact on your credit in any way, shape, or form.

At this point, I'd like to suggest the above bickering posts be deleted, as they serve no real purpose and COULD lead to member confusion, as I did originally suggest using credit cards, which, when applying for a mortgage, COULD have an adverse affect on the bankers decision to give you a loan.

Given that debit cards work the same without any of the disadvantages mentioned above, they are a viable alternative during the interim of the Amazon Gift Card situation.

But make sure to TURN OFF "overdraft protection" or it's equivalent.

The only disadvantage to using debit cards is that they are attached to your real name. IF Amazon ever decided to verify with the bank your name, they COULD reasonably discover your real identity. Possibly. It's up to the individual banks privacy policy whether or not they reveal that info.

Re: Credit card name
 

I give up.... Its not bicking, its you giving out what I think is pretty bad advise and refussing to believe otherwise. Déjà vu

By all means change your address many times in a year. When the bank asks why you changed your address 8 times last year and refuses to give you a loan or mortgage you can have this argument with them.

Also to clear up a point. Your saying that a debit card is in your name but a credit card is not? You sure about that one?

And banks will not share infomation with PayPal/eBay/Amazon. Please do not suggest otherwise.

Re: Credit card name
 

Ugh.....seriously James? Do you really not understand me or are you just trying to use straw man tactics?

I just said: In light of the info you pointed out, I DO NOT recommend changing your credit card address without good reason. I DO NOT recommend it! I agreed with you! Debit cards DO NOT report to credit bureaus! They don't issue credit for DEBIT cards, and therefore address changes aren't added to your file! Unless you're getting a loan from the SAME BANK you changed the address with, other banks will NOT know you changed your address!

No, never said that. Never even implied it. Really not sure where you got that idea. ALL banks have REAL INFO. This is per the 2001 PATRIOT Act in the USA. No knowledge of other countries.

I never said they did. Someone in the other thread (the Jeff thread) said that Amazon MIGHT be able to call and verify the name on a credit/debit card. I don't know, never worked at a bank. Maybe they do, maybe they don't. If they don't, great! Not asserting they do.

Re: Credit card name
 

As I pointed out debit cards are linked to current accounts. Current accounts DO report to credit bureau (in the UK)

Infers that the credit card has the advantage of not using a your real name.

They cannot do this.

Re: Credit card name
 

I live in the USA, I have NEVER had a debit card, checking account, nor savings account reported on ANY of my credit reports (FICO, Transunion, Equifax, or Experian). I check my reports once per year (by law, the agencies are required to offer 1 free report from each bureau every year) Maybe they do in the UK. If so, then my apologies for assuming otherwise.

I can see where you were misunderstanding. I was comparing them to Gift Visas/Mastercards, not credit cards. Gift cards can be in any name you choose.

Then this just proves my point. It's a very viable alternative to use a debit card in place of a gift card.

Re: Credit card name
 

[QUOTE=GhostOfAmazon;679396]WHAT??!?! The USA isn't the center of the universe? Bu---but----'MERICA!











:laugh::laugh::laugh::laugh::FF:

Re: Credit card name
 

Can I put the business name instead of an actual name for the card? The bank account is a business account registered to the business name.

Re: Credit card name
 

When I had posted in another thread about ADDING an address, I was not referring to changing the primary address on your credit cards.

I don't have any idea if this will work in the UK, but in the US, some merchants will not ship to ANY address other than the address associated with the credit card, which is verified by using the AVS system.

This happened to me on Newegg when I was a new customer there. I wanted the stuff shipped to my office. They told me to call my bank and add my office address as an authorized address on the card. I had never heard of that, but I called my bank and they added the address. My statements still came to my home, and it did NOT affect my credit or anything else.

I was NOT suggesting that you call your bank every month and change your primary address. THAT would start to have an affect on your credit, not to mention the bank may become skeptical of dealing with you. But there could be MANY reasons for adding an address - you are shipping to a friend or relative, an office, etc.

I am also not CERTAIN this will work for Amazon - it was just a thought I was putting out there.

One of my other thoughts is that Amazon may not be banning gift cards per-se, but that they COULD be banning any cards that will not give a FULL AVS verification, such as Vanilla Visa which only verifies based on ZIP Code. But that is just my THEORY.

Re: Credit card name
 

Sorry about that Jeff, I hadn't intended to put words in your mouth. That was a misunderstanding on my part.

You can change your address online for 99% of banks/credit cards. It's 2015. Phones are pretty much obsolete. Also, the only effect changing your address has on your credit (in the US an UK, I have NOT researched other countries) is that it shows these as "previously associated addresses" when your credit report is pulled. It has NO affect on your credit "score" which is the PRIMARY source banks and other lenders use to decide whether to lend you or not, and what your interest rate is. The effect it WOULD have would be when applying for a mortgage, since usually these loans are 10 - 30 years, they want to know you're stable, and that you're comfortable being in one place for a LONG time.
I have tested this on Amazon, eBay and PayPal as a BUYER. I had no issues. I haven't yet tried it as a SELLER. More testing is needed before anyone jumps to conclusions as whether or not this is a viable method.

Re: Credit card name
 

GOA, if you did not intend to put words into anyone's mouth, why did you quote this thread elsewhere to bring attention to shady advice?

You are not taking into account a factor of the Credit industry of either the USA or UK.

Humans look at activity of customers.

Humans can be put off by much of what you suggested as being viable to work.

As such, again, you have created issues

Re: Credit card name
 

I specified HUMANS only look at accounts in the USA under 2 conditions:

The loan you're applying for is large enough to warrant it (i.e. mortgage) OR your trying to get a "reconsideration" after being rejected by the computer the first time.

In the US, 90% of loans are NEVER seen by a human. The numbers are crunched by a computer and address does NOT affect those calculations. Educate yourself before mouthing off to me. Thought you would have learned that by now.

Re: Credit card name
 

Not only that, but isn't anyone concerned about personal bank information being sent to the "stealth address" that you change it to? I've been sent all kinds of letters/notices/etc through MAIL even when all my account settings are setup as PAPERLESS. I would think that an address change would also increase the chance of some kind of notice being sent out with your PERSONAL INFORMATION to a random "stealth" address. This is a big "no no"...definitely something that I would not want to risk at all. There has to be a solid solution to this. So much destruction is being done with this new change in Amazon's "security". Merchant sellers are now even having problems with their VCCs/AVSs for the first time ever! Right now, the only 100% safe solution that I see is to just continue trying random prepaid cards, especially those issued by small credit unions as a lot of people have suggested, and hope that Amazon hasn't blacklisted them yet. There are so many threads about this right now, but NO REAL 100% SAFE SOLUTION yet. I'm counting on my team on here to find an answer...and soon! Come on! We can do it guys! :cheer:

Re: Credit card name
 

Two things:

1. I already suggested a solution to your issue in a previous post. It's called Renting a PO Box. It's 25-60 dollars for 3 months, depending on what part of the country you live in. Very reasonable.

2. The cards Amazon hasn't blacklisted YET WILL be blacklisted eventually. Amazon has publicly announced it's new policy is to reject ALL "pre-paid" cards. You can whine and complain until the sky turns red, but it won't change anything.

Re: Credit card name
 

A PO Box/Street Address (Box) will fail verification at many banks. (I have first hand experience with that.) That may lead to problems opening an account if you start off with that address or problems changing an account's address to that later on down the line if you do things that way. On top of that issue, many stealthers turn and burn accounts fairly quickly. Not practical at all if you go through many accounts. Yes, it is a sideways solution of the sort, but I'll keep experimenting and searching for a more safe and solid solution for myself and others. Whining and complaining was never an option. Thanks for your input.

Re: Credit card name
 

You're incorrect, but that isn't surprising.

ALL my credit card and debit card statements arrive in my PO Box, and have for the past year. I move frequently, and NONE of my banks have given me any issue whatsoever.

Furthermore, anyone who uses the "turn and burn" method for Amazon accounts is a fool. The only reason you would want to do such a thing is if you were selling phakes, and doing that will get your account DELETED and you will never see the money anyways, so your point is moot.

I suggest you do more research and utilize common sense in the future before spewing your ridiculous ignorance all over this forum.

Re: Credit card name
 

Lots of great points. The PATRIOT Act makes things difficult. But there's a difference between physical billing address and mailing address. All banks should require physical address before opening your credit or bank account. Then mailing or alternative address po box is acceptable. Changing jobs phone numbers addresses frequently will in fact question your stability. But there's ways to erase that info off the credit reports.

Re: Credit card name
 

That, and by only using DEBIT CARDS, changes of address aren't listed on your credit report, at least in the USA.

Re: Credit card name
 

You are kind of correct. Any address or job or phone number even misspelled names ANYTHING tied to your SSN could possibly be reported onto your credit report. I've even used different info including address and telephone number to order prepaid cards and those updated my credit as well. This isn't something I googled this is speaking from experience and sharing it as well.