While reviewing my credit reports, I noticed that all of my American Express account numbers on the report had nothing in common with the number on my cards. They aren't even close. The data is correct, such as credit limit, amount owed each month and the account opening date.
Does American Express intentionally use a bogus number for the purpose of credit reports? That's pretty clever if they do, but I hadn't noticed this until now. They do use a separate number for contactless transactions.
The account number scrambling has been used by amex since before I joined FWF.
This only becomes apparent or confusing if you have multiple accounts with the same credit line that were back-dated and you either didn't keep track of the account opening date or they were opened in the same calendar month
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