Some suggest that this is a backdoor pressure of banking regulations: frequentmiler.boardingarea.com/2016/01/08/amex-kills-bluebird-and-serve-for-manufactured-spend/comment-page-2/#comment-1511095 By the way, you are aware that some stores do not accept credit cards, but when I use my Bluebird, it passes like a credit card and I had to use a PIN code. Although I didn`t have to go through a credit check to get my Bluebird card in civil law, it is assumed that if someone believes they can skip the use of a PIN number which is a trivial part of using a debit card, if I take it to court, I will unfortunately accuse them of violating the truth in TILA`s credit. And do not completely disclose the true features of the card itself. My father was the former attorney general of New York. The last archived part of the legal agreement I could find was on September 6, 2015 (here`s the archive address if you want to see around you). . . .