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Uk vcc?
 

Just used a MyVinilla VCC and it comes up with a invalid credit card. Has anyone had any experience or know anywhere I could get one that would work. Very desperate, help.

Sami

Re: Uk vcc?
 

Read the forums, plenty on this. VCC,gift cards etc cannot be used anymore. Only solution is a real credit/debit card

Re: Uk vcc?
 

I've read the forum but unfortunately for me using a real one is not an option are there any Amazon UK VCC sellers.

Re: Uk vcc?
 

did you check the marketplace?

Re: Uk vcc?
 

At the moment this is what is needed for the UK.

What stops you now?

:peace:

Re: Uk vcc?
 

Agreed @Greenbean

Depending on your current situation and age this is a pretty clunky workaround:

Assumming you're not living at 'home' (being parents etc) sign up for a new bank account registered to your family home (or change an account that you have to your parents'/family's/extended family's address). Wait at least 24-48 hours for the system to update. Given that you only need the house number and postcode to be real to pass AVS this will then pass the verification.

Some banks will allow this online, some will want to see ID. Old real ID (PPorts, Birth Cert, School Exam Results, etc etc should have this original address on - smile and you might be okay). If you've moved house recently and have old bank accounts check what address they currently have on their system - you may get lucky and it be the old one.

Note: This is not the first time this has been suggested (@Taking The Micky) and i suggest you read around the forum - been LOTS on this over the last few days. I also appreciate that this is not particularly helpful if you have several stealth Amazon accs.

Obviously we'd rather be using VCCs etc but until someone finds a workaround this is an option.

Re: Uk vcc?
 

Then unfortunately you will be unable to sell on amazon.co.uk. There are no other options left.

Re: Uk vcc?
 

surely you can use your own debit card, if it has been used, possibly report it as lost and you will get a new one with a new card number

Re: Uk vcc?
 

We are talking credit card here, no? Even then...you can get a new one - not ideal for multiple stealth creation though

Re: Uk vcc?
 

if you have 2 or 3 accounts it is hardly a problem is it ? and if then go down you can get another card. It is an option and an answer to the question, would be nice to answer the post then just up your post count i think

Re: Uk vcc?
 

But the AVS check still requires you to have a real address and postcode that matche the cards details - that's the point isn't it?

Hence in respect to a stealth amazon account with stealth address - you can't withdraw to the account because before the withdrawal you're charged £1.

This charge goes undergoes AVS. If you have:
1. stealth address and a real card
or
2. vcc
...it will fail.

The address has to match the card you're using - That's the point. So it doens't matter if you get a new card - the AVS is still going to fail.

Re: Uk vcc?
 

....or before the issue if you had a gift card that bypassed AVS then it would work well.

To the point, yes it must match house number / flat no and postcode to charge £1 and disburse.

Re: Uk vcc?
 

I'm not sure about that - are you sure..?

AVS check checks the house number and postcode versus what the provider has on file - You're stealth address won't match what the provider has and it will fail.

Please confirm - Mods? See what Taking The Micky / Vetus / Greenbean say...

Re: Uk vcc?
 

You should ask Callidus this as well. He has more experience with UK Amazon VCCs than anyone else on the forum.

Re: Uk vcc?
 

Already a ton of threads with full fledged spoon feeding on this.

Use your debit card, add the address to your bank account as a secondary.

DO NOT DO THIS WITH CREDIT CARDS. Only bank debit cards, at least that is how it works in the USA without messing up your credit report addresses.

Re: Uk vcc?
 

Debit cards works fine in UK, has anyone tried this method for UK CC ?

Re: Uk vcc?
 

Banks in the uk always say you can only have one address for your debit and credit card can have a secondary address but thats only for your letters

u will need to change your address for your card to work on amazon

well thats what ive found out as ive rang up the bank

Re: Uk vcc?
 

That is correct

And changing the address registered with your bank in the UK to some random stealth address is a massive no go area.

It messes with your credit rating and can be seen a fraud.

Re: Uk vcc?
 

I actually just called both my banks and repeatedly asked (just to make sure ) if changing my registered address on my bank account would affect my credit score . And both said no. I even made the rep double check and was put on hold and he still confirmed that it does not have any effect on your credit rating. If anyone is unsure and you want to double check yourself, you should call your bank to clear up any worries you might have....

correct !

we just have to keep searching for a VCC that works on amazon

which bank are you with ?

Re: Uk vcc?
 

Santander and HSBC, if you are unsure just give your bank a quick call. That way you know yourself that it would be fine....

Re: Uk vcc?
 

but what if its a stealth address ?

Re: Uk vcc?
 

Changing your address with a bank to a random stealth address is not OK and not a good thing to do in the UK. I really cannot hammer that point home enough.

If you are actually moving address from 1 house to another and changing all your bank / credit card ect details in one go that is fine. This will always have a small effect on a credit record though indirectly.

For example

2 identical people with identical wages and identical jobs

Person 1 - Lived at the same address for 10 years without moving
v
Person 2 - Lived at 2 address. 1 for 9 years 10 months and the new address for 2 months.

Lenders will without a doubt see person 1 as a lower risk. This is just how the system works. They like to see continuity.

Further to this when you apply for any sort of credit the application will ask how long you have lived at X or Z address

They then match this with credit agencies reports and public records.

Banks report your registered address to the credit referencing agencies.

Having your bank account registered to some random stealth address is going to throw up flags. It will look to them like you lived at your actual address for how ever many years and then moved but you are failing to declared your new address.

The person you talked to on the phone is correct in that it will not directly effect your credit score, but in this case your not actually moving house. Your thinking about changing the address registered with the bank to some random address. This is really really not a good idea

Added to that changing your banks registered address to a random address is fraudulent

Re: Uk vcc?
 

but is that actuallly fraud ?

Re: Uk vcc?
 

I understand your point but what about adding it as your secondary address... HSBC said they could this for me. You could also instead of using a random address use something like your student residency address, and if any lender sometime in the future did ask, you would have a solid reason.

2. Also what about the option of using your home address with your stealth name, since only the house number and postcode have to match. Would this not work ?

Re: Uk vcc?
 

If its an actually address then you have real ties to (your business address for example) then having a business bank there would be normal and fine

The same applies for if your a student living in a flat/house with other people. Clearly you will want to change your address to this new address for legitimate reasons.

If you try to use your house address with your postcode and your door number but a stealth name my guess it that Amazon would shut the account down very quickly.

Re: Uk vcc?
 

This is why I say use a DEBIT card for your stealth. This is not reported to credit agencies as its not a credit card.

Re: Uk vcc?
 

Debit cards are linked to bank account though... And to change the address on the debit card you have to change the address of the bank account. One it totally linked to the other

Bank accounts (that have the option for an overdraft, even if you don't have an overdraft) do get reported to credit agencies

Some basic bank accounts even report to credit agencies

Savings accounts will not be reported, but you don't get cards with many savings accounts and of the ones I know you do get cards with they are just for cash withdrawals not electronic use

Re: Uk vcc?
 

When Experien etc are requested to do a credit search from a lender they use your address supplied your name and DOB. They will not search every address in the UK, only search the info supplied thats why lenders request your previous address also. So a debit card on the random address will not show on your credit file.

Re: Uk vcc?
 

All about flags being thrown up

Re: Uk vcc?
 

They do a search using your name, DOB and address that is correct yes. That then pulls your credit report

On a credit report you see (and this is off the top of my head)

Current address
Gone Away notices
Revolving credit/debt
Defaults (in the last 6 years)
Current accounts and if they are in a negative balance
Credit facilities and how long you have had them (this includes both current accounts with and without overdrafts)
Credit cards and their balance (this is updated once a month)
CCJs (in the last 6 years)
Linked addresses
Other people with financial links to you
Credit searches (it then will also what sort of credit search took place)

Experian then give you a credit score based on this infomation. It is the report that people offering credit will see and get a copy of. They will then give that report their own score. Its why there is no such thing as a universal credit score for anyone person

The score that Experince give you is just their guide. Its not set in stone

Everyone can go ahead and check this out for themselves on their own credit reports in the UK

If all your bank accounts are registered to random address then A - That is going to cause your bank accounts and any credit facilities you have on them to not show on the report B - Its going to show a lot of addresses linked. While unlikely it could also cause a financial link with another person to appear

Re: Uk vcc?
 

James these banks accounts that don't show are unimportant as they are only a means to get a debit card and an amazon account. It will not not show on your credit report addresses linked as you have not furnished that address to the credit reference agency. I speak from experience, trust me,

Re: Uk vcc?
 

Having foreign bank accounts is a handy thing. My bank send me nothing through the post, and I'm sure I can change my address a few times without much ado

Re: Uk vcc?
 

:doh:

My point is nearly ALL current accounts show on a credit report

As far as I am aware there are no banks in the UK that offer a current account with a linked debit card that do not show on you credit report.

Banks like MyCashPlus may not show on a report, but they do not have debit cards

If you are aware of a bank that offers a current account with a debit card (not a prepaid card, they are not the same thing) then link away I am sure people would appreciated it

But the point that also needs to be explained is how you explain to the bank that you are using some random address that you have no link to as your registration address.

If people want to get back onto Amazon and use debit cards than its fairly easy to do without putting your credit report at risk or putting yourself in the position of committing bank fraud

Get a business address
Get a business bank account
Get a business debit card linked to business debit card

Job done.

This can be done 5/6 times with different businesses without issue

Re: Uk vcc?
 

But isn't opening business account without a business 'difficult'? I mean what documents does the bank ask for? Aren't there requirements in order for the application to be accepted?

Re: Uk vcc?
 

Opening a business costs about £10/20 and is pretty simple

You can also get sole trader accounts

Re: Uk vcc?
 

That is per month, no?

And anyway, aren't we going in circles? How will the debit card have a stealth address?

Re: Uk vcc?
 

Because you don't use a stealth address you use your new business address...

And that is a one off fee

Re: Uk vcc?
 

I think jamesnorth101 advice at 10.37am is absolute gold. Nothing more needs to be said

Well done

Re: Uk vcc?
 

Does any know if there any issue with using a vcc card from another european country on amazon uk? because ive seen an option when adding your card to change the country of your billing address...