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Nicole Brown
08-30-2010, 08:52 PM
I don't know if this has been discussed here before or not but here goes. Over the weekend I was out with friends and one of the guys mentioned that he had obtained a credit card on his account for a relative who needed some financial assistance. He indicated that he spoke with his credit card company and they said that it was done all of the time.

So earlier today I called my credit card company and inquired if this information was in fact true and if a credit card can be obtained for a relative or friend. The answer was yes, it is allowed and can be accomplished by my simply requesting the card. So after thinking about it for a short while, I called back and ordered Nicole's very first credit card in her own name.

Has anyone else ordered a credit card for their fem self in their fem name?

Kathryn Martin
08-30-2010, 08:57 PM
I am thinking about it, I am thinking about it:D

AKAMichelle
08-30-2010, 09:00 PM
I had an American Express card for awhile. I since cancelled the card.

dilane
08-30-2010, 09:49 PM
Yes, Diane has an AMEX card.

I only use it in restaurants & bars where they don't ask for ID...

I use my male atm card, and sometimes get "thank you Miss X", assuming that it's my hubby's card :)

renee k
08-30-2010, 10:05 PM
Renee has a Capital One and a Chase card.

Loni
08-30-2010, 10:09 PM
i wish she could only pay for what she spends now.
give her a cc and oops.:heehee:


.

eluuzion
08-30-2010, 11:48 PM
“Be all you can Be”
It is “ok” to have alternate names (and signatures) because they are exercised under the primary account holder’s name, who is ultimately responsible for everything that occurs within the account. It is similar to having several “names” in Yahoo, MSN, etc.

Basically, you can “be” anyone you want to be in real life. A doctor, lawyer, professor or anyone else with a “title”, too, as long as there is no intent to defraud. It is not what you call yourself, but what you practice that matters. Call yourself a doctor, just never give medical advice. Call yourself a lawyer, just never give legal advice. You get the idea…

Of course when stopped by police and asked for your driver’s license, or auto insurance…or on Income tax returns and purchasing plane tickets and verifying your identity at the airport…always use your true name…

You can also use an illegible "scribble" as your signature, which has many advantages regarding personal privacy.

Isn't life fun...:D:thumbsup::D

busker
08-30-2010, 11:51 PM
Absolutely, never a hassle with on line shopping for fem stuff.

Leslie Langford
08-31-2010, 12:39 AM
I don't know if this has been discussed here before or not but here goes. Over the weekend I was out with friends and one of the guys mentioned that he had obtained a credit card on his account for a relative who needed some financial assistance. He indicated that he spoke with his credit card company and they said that it was done all of the time.

So earlier today I called my credit card company and inquired if this information was in fact true and if a credit card can be obtained for a relative or friend. The answer was yes, it is allowed and can be accomplished by my simply requesting the card. So after thinking about it for a short while, I called back and ordered Nicole's very first credit card in her own name.

Has anyone else ordered a credit card for their fem self in their fem name?

That's interesting, and maybe the laws in most Canadian provinces are different.

I made the same inquiry with some of the usual suspects here (VISA, MasterCard, Amex etc.) and they all told me that legally speaking, a credit card can only be issued to an actual person as opposed to a "virtual" one - even if the new account is linked to the real person's account and they assume responsibility for any charges billed to it. Any other use could technically be considered fraud and make the user liable to criminal charges, even if the balance is paid in full every month.

eluuzion
08-31-2010, 01:19 AM
That's interesting, and maybe the laws in most Canadian provinces are different.

I made the same inquiry with some of the usual suspects here (VISA, MasterCard, Amex etc.) and they all told me that legally speaking, a credit card can only be issued to an actual person as opposed to a "virtual" one - even if the new account is linked to the real person's account and they assume responsibility for any charges billed to it. Any other use could technically be considered fraud and make the user liable to criminal charges, even if the balance is paid in full every month.

Some valid points here, but much of the clarity and interpretation of this discussion depends upon "semantics" and slight variations in the "objective", which have major impact on the outcome. (a drawback of "forum communication").

The success in obtaining the desired goal is also heavily dependent upon how it is presented to the issuer of the credit account.

:love:

TheGirlNextDoor
08-31-2010, 01:47 AM
Thats a damn good idea ill have to try it next payday

Nicole Erin
08-31-2010, 01:50 AM
My credit is so bad my own mamma won't even lend me money, let alone a credit card in my legal or chosen name.

If THIS Nicole got her own CC, the follow-up stores would be -
"Nicole goes into debt, Nicole's account goes to collections, Nicole gets litigated...


But all that aside, how would you get a CC with your femme name unless it was legally changed?

Phyliss
08-31-2010, 03:08 AM
About a month or so ago I was in the local Kitchen Connection store getting some items. At the register, I handed over my Discover card, and the lady there said "Oh no, I can't take this card, I need to see your card. Smiling inside I leaned over the counter and in a rather deep tone of voice I said, "Honey it IS my card" She thought that was cool and went about her business ringing me out.
Got me to thinking and I called Discover to get a card for my "cousin"

About a week later, this shows up in the mail:

RachelPortugal
08-31-2010, 04:01 AM
Rachael has had a Mastercard on Ray's account for a number of years. The only extra information that was required at that time was D.O.B., although I got a card for a daughter on another account and all they wanted was the name.




But all that aside, how would you get a CC with your femme name unless it was legally changed?

Obviously credit laws vary from country to country, but if you use a second card with a femme name in a store which offers you a store card because you already have a credit card, then you may well be approved for a store card in your own name.


That's interesting, and maybe the laws in most Canadian provinces are different.

I made the same inquiry with some of the usual suspects here (VISA, MasterCard, Amex etc.) and they all told me that legally speaking, a credit card can only be issued to an actual person as opposed to a "virtual" one - even if the new account is linked to the real person's account and they assume responsibility for any charges billed to it. Any other use could technically be considered fraud and make the user liable to criminal charges, even if the balance is paid in full every month.

Why would your femme self be considered a "virtual" person? It is no different to a performer having cards in their professional name as well as in their real name.

Also, some people use different first names in different capacities - perhaps forename for family and middle name proefessionally and have cards in both names, so what's wrong with a card in an assumed name provided it is not being used for unlawful purposes. Technically in the UK you can use any name you like and effectively it is accepted by common usage without the need to change it in law, but the new banking rules would make it difficult to open any accounts without a legal name change.

KayleeDahl
08-31-2010, 06:59 AM
I can confirm (having just seconds ago done this) that you can add an "authorized user" to your credit card through the web. (at least with my credit card issuer)

All that was required was first/last and answering "send user a card?" as well as some verification that you are the primary user.

Took me all of 2mins!

Can't wait till it arrives!

Hugs
Kaylee

Loni
08-31-2010, 07:15 AM
this is one of the reasons to keep all of this information closed to all others cc theft is very big money,
i was even dating a gal who worked in the bank fraud dept..her cc got hit a number of times in one month for computers as gifts. even twice to one big name computer company with in two days. some $5K worth of puters before her card was stopped...not by the cc company:eek: but by her.:doh:

Gerrijerry
08-31-2010, 07:25 AM
Yes I have a card for my fem self. I use the card when needed. But I also carry an ID with a photo both male and female on it. It is signed by a councelor that I am under her care for gender identity etc. I have been asked for personal ID once and used the ID with the card and my drivers licence. No problem.

Leslie Langford
08-31-2010, 08:28 AM
this is one of the reasons to keep all of this information closed to all others cc theft is very big money,
i was even dating a gal who worked in the bank fraud dept..her cc got hit a number of times in one month for computers as gifts. even twice to one big name computer company with in two days. some $5K worth of puters before her card was stopped...not by the cc company:eek: but by her.:doh:

Good point.

If you became a victim of identity theft, how could you prove that these bogus charges weren't incurred by your "other" self? Would you even want to (depending on the amount, of course), as that would effectively "out" you?

This is where the fine line between fraud and the legitimate use of a credit card issued to a non-existent person probably lies for the banks and other credit card issuers. From their perspective, how could they be expected to sort out what's what when in either case and in their eyes, it was a person other than the original account holder who incurred these charges .

I guess this really comes down to risk management on the part of those who feel that using a credit card issued in their femme name is no big deal and essentially free of consequences. Maybe yes, maybe no.

linda allen
08-31-2010, 08:46 AM
“Be all you can Be”
It is “ok” to have alternate names (and signatures) because they are exercised under the primary account holder’s name, who is ultimately responsible for everything that occurs within the account. It is similar to having several “names” in Yahoo, MSN, etc.

Basically, you can “be” anyone you want to be in real life. A doctor, lawyer, professor or anyone else with a “title”, too, as long as there is no intent to defraud. It is not what you call yourself, but what you practice that matters. Call yourself a doctor, just never give medical advice. Call yourself a lawyer, just never give legal advice. You get the idea…

I had a friend who used a "stage name" as a performer. He later became a lawyer and had to list his stage name along with his real name to get his license or whatever it was he got. In other words, he had to list any name he was ever known as.

5150 Girl
08-31-2010, 12:37 PM
I'm of the impression (and I could be wrong) that companies don't care what name is on a card, or who uses it, as long as the bill gets paid.

tricia_uktv
08-31-2010, 05:31 PM
Great stories, and I need to try (it is likely different in the UK). But is it any wonder that we have had a credit crash? After all, who on earth would give a tranny a credit card. Its asking for trouble!

Barbara Jo
08-31-2010, 06:02 PM
I'm of the impression (and I could be wrong) that companies don't care what name is on a card, or who uses it, as long as the bill gets paid.

That is exactly correct.
They can only make money if the card is used and the more people who have it....the more potential money they can make.

Terri Andrews
08-31-2010, 07:25 PM
I have had a Master and Visa for several years and the only problem I ever had was when ask for my ID .

Nicole Brown
08-31-2010, 07:44 PM
Very interesting responses ladies, I guess the laws that govern the issuance of credit cards really do differ from country to country.

I see that several of you have identified being asked for additional identification as a possible problem. Prior to ordering this card for Nicole, I had the name on my other credit card modified to be just the first initial of my first name and my last name. I have only been asked on several occasions for additional identification when using that card as Nicole. On each occasion I reminder the merchant that they were in fact not doing business directly with me, but with the bank that issued the card and therefore had no right to ask for any additional identification. In all but one instance this was sufficient to allow me to complete my purchase, on that one other incident I wound up walking out of the store and never doing business with them again.

NathalieX66
08-31-2010, 10:27 PM
Drivers' licenses are next. :battingeyelashes:

I know of a few TG folk that tried to get into an establishment, and actually one that they frequentned often), and finally got turned away because their femme selves didn't match their male ID. They actually went to court....the result was mixed...both sides victored.

busker
09-01-2010, 12:04 AM
On every application that I have ever seen, there is a place for a second card holder of the primary account. If a married man gets an app, his wife would be the second party on the account (unless of course she had her own card), and when doing business on line, there is never anyone to check who is who , all you need is that little 3 digit code on the back to prove you hae the card in your possession. The bill always comes addressed to me as the primary card holder and with most cards now, any fraud is covered over 50$, so no big deal--I suppose.

PretzelGirl
09-02-2010, 01:37 PM
Well, one way around fraud is if you have a first name and maybe middle name in male and female mode that have the same initial, then just use the initial(s) on the card like K.L. Jones. Not as exciting as having a femme name but perfectly legit and doesn't out you. Oh, and an illegible signature helps too!

julie w
09-02-2010, 06:11 PM
I have a credit card with my initials and last name no Mr or Mrs no problem using it as Julie or Bob its much easyer than a femme name on your card

NY Julie
09-07-2010, 05:59 PM
Can you buy me something!!