Do American Express and Discover debit cards have the same policies as visa and mastercard? I made another thread but regarding visa and mastercard and they replied back saying that it is basically smurfing.... I made that post because I did not know if by using a debit card that has someone elses name, I would be violating any bank regulations or any imposing u.s. tax laws since I live here in the United States but the trustee that is managing my offshore trust lives in Fiji. Why would they say that it is basically smurfing when no one is trying to do anything illegal in the first place? It would be like me giving my son my credit card so that he can purchase a lacoste polo shirt, levis shirt or levis corduroy pants, or nike sneakers.........! Why would insinuate that I am trying to smurf or do anything illegal then? I am sorry but I am confused here and why an accusation of such a nature would be thrown at me? I was only trying to ask a very legitimate question and someone got offended by what i asked! It was never my intention to offend anyone and on the contrary I was trying to be a more educated consumer and not attempt at violating any terms and conditions imposed by either visa, mastercard, american express, or discover debit cards. Why would it be any different if I gave my son my permission to use a credit card to make personal purchases at a lacoste boutique, niketown, or a levis store????? Anyone kind enough to explain? Anyone or somebody?