Not everyone likes miles and points collectors abusing the American Express Bluebird product.

First of all, I want you to know my attitude towards credit cards and money in general. #1: Feel lucky when you are approved, good credit is a stroke of luck.

#2: people who care more about the rewards than the credit line must already have so much money they dont know what to do with it.

Now. You people are RUINING bluebird/serve by making amex’s security dept so paranoid that every linked credit or debit card or every vanilla reload is an attempt at getting points rather than legitimate usage, that me, a person who couldnt get a credit card if my life depended on it because george bush gave me a 399 credit score, gets limited every time I try to link a funding source for actually loading my card.

Bluebird was intended for people who cant get bank accounts to be able to have an account that in my opinion works better than the banks. You cant bounce a check because they are pre authorized What a wonderful feature! Now I know that every rent check I write will clear no matter how long my landlord waits to cash it! Dont have to worry about accidentally spending the rent money.

But you points chasers are going to end up ruining every prepaid card out there that lets you load with a credit or debit card. You already made amex change the rules so you cant link prepaid cards any more, which means i cannot link my unemployment card for when im out of work,

And when I link my legitimate bank debit card from chase, because I still use chase to deposit paper checks since I cannot afford a smartphone because george bush gave me bad credit, they limit my account until i send them statements and pictures of my debit card.

And id bet everything in the world that its because of you uppity rich snobs and your “manufactured spending” Why not just call it what it is? POINTS FRAUD! Thanks for trying to ruin prepaid for the people of america who count!

(Additional line breaks are mine)

I think Bluebird is an amazing product. It manages to avoid the low margins imposed by the Durbin amendment, and thus they can offer effectively full service online banking to the unbanked.

But it isn’t miles and points collectors that drive concerns about fraud, it’s actual fraud and it’s criminal enterprises moving money around which entails government risk.

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