Morgan Stanley Blue Cash Preferred® American Express Card Agreement

Data Access & Collection · Company practice

The issuer may monitor and record calls between you and it

The issuer may monitor and record any calls between you and it.

Supporting quotations

Call monitoring: We may monitor and record any calls between you and us.

Data Access & Collection · Permission or license

The issuer will obtain credit reports and other information about you and may use it for any purposes, such as marketing

You agree that the issuer will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources, including information to verify and re-verify your employment and income. You also agree that the issuer will use such information for any purposes, for example marketing to you or evaluating you for a new account, subject to applicable law.

Supporting quotations

Credit reports: You agree that we will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources including information to verify and re-verify your employment and income. And you agree that we will use such information for any purposes (for example, marketing to you or evaluating you for a new account), subject to applicable law.

Qualifications & exceptions

• Use is for "any purposes", with marketing and evaluating you for a new account given as examples, and is subject to applicable law.

Data Access & Collection · Company practice

Charges at federal agencies: charge information is collected and may be aggregated for reporting, analysis and marketing

Some federal agencies may accept the Card under authority of statute. When you make charges at these agencies, the issuer collects certain charge information. That information may be put to routine uses such as processing, billing and collections, and may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies may be published in the Federal Register.

Supporting quotations

Privacy Act of 1974: Some federal agencies may accept the Card under authority of statute. When you make charges at these agencies, we collect certain charge information. That information may be put to routine uses such as processing, billing and collections. It may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies may be published in the Federal Register.

Qualifications & exceptions

• Applies to charges made at federal agencies that accept the Card.
• Uses are stated as "may", including aggregation for reporting, analysis and marketing.

Not stated here

• Which charge information is collected is described only as "certain charge information".
• The Federal Register publications are not supplied here.