USDirect Express, is it the same as American Express Gold Card? Are they the same thing? Do they provide the same benefits or are they different? What are the advantages and disadvantages of both a debit and credit card account? This article will look at the similarities and differences between these two cards.
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US Direct Express is owned by American Express and they provide their own card account and PIN number. The main difference between these is that the Gold Card is issued with a fraud protection feature which blocks the unauthorized use of your account. This feature is not available with the Direct Express card. There is also a difference in terms of the customer service. Direct Express offers excellent customer service and support seven days a week through phone and email while American Express only provides 24 hour customer service but with a lower base price to match.
One of the main differences is in terms of the deposit and transaction history. Direct Express allows you to have unlimited transactions from one single account whereas gold card limits are based on the amount deposited into the account. Direct Express allows you to make deposits to any checking or savings account and has no minimum balance requirement. The gold card does have a low deposit requirement and a very high transaction history. Gold card holders enjoy better federal funds rate of interest and this is because of the popularity of this card among gold card holders. Direct Express does not have an option to hold a balance on the account and if you want to you can transfer your balances to this card.
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There is a difference in the way the companies handle their customer's information. Gold card holders can access federal funds rate, whereas users of direct express cards must maintain their balance at a given level. Direct express card users may be able to choose the type of monthly statement they want and they can change them monthly as well. Gold card holders can choose the APR for their statement and also choose from a range of interest rates. Direct express card users do not enjoy the same benefits as that of users of gold cards.
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Another difference is in the way Direct Express charges its users for using the card. Direct Express charges a fee of two percent of the total funds in your card account. This is called the "PIN fee". The exact same fees apply to Gold cards and Gold card numbers. It is important that you understand the fees in detail before you start using Direct Express. You need to contact customer care for more information about the PIN fees.
The Direct Express debit MasterCard allows you to make cash back on purchases and offers you the option of earning up to twice a month cash back. There is no annual fee charged for this card. You can have a maximum of two cash back transactions every twelve months. The second transaction will earn you nothing.
Direct Express guarantees that it will report any unusual activity to the relevant bureaus so that they can investigate. If fraudulent activities are detected, the suspect can be easily identified. In case there are transactions made using your card account without your authorization, the concerned authorities can block the transactions and recover your funds. In case you lose your pin, you can also call the customer care service for instructions about how to reset the pin.
To avoid being a victim of credit card theft, you should keep track of your monthly transactions. You can do this by making a detailed statement of the kind of purchases you make and how much money you transfer to your bank account. This statement can be obtained from your account, once a month, or at least after every four weeks. You can also get a copy of this statement from the nearest bank. Once you know how much you owe, you can initiate a cash back credit card number check with your financial institution.
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