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Trans friendly credit card

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Posts: 1383
Duchess
Topic starter
(@alison-anderson)
Noble Member     Middlesex county, New Jersey, United States of America
Joined: 5 years ago

I'm sitting here typing/reading away on CDH with the TV on in the background.  My attention is drawn to the TV when I hear a commercial for a Citi.  What drew my attention was when I heard them say if you are TG or non-binary you can now get a credit card in your preferred name!  My ears perked up and I asked myself if I heard that right.  Because I have the ability to pause and rewind live TV, I rewound the commercial to watch it through.  I even went to record it.

Sure enough, I went to the website they mentioned, where it gives instructions "How to change your first name on your credit card to your preferred name."  Wow, how cool is that!

I've thought about getting a credit card in Alison's name, but because they often ask for information such as birthday or Social Security Number, even for secondary cardholders, I have backed off, not wanting to give the same information with two different names, and making it look like there is fraud involved.  Now I'm seriously considering it.

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35 Replies
14 Replies
Lady
(@harriette)
Joined: 10 months ago

Noble Member     Toronto, Ontario, Canada
Posts: 1739

@alison-anderson Yes, this is an old topic, but it deals directly with what I just went through.

A few weeks ago, I tried to apply for a secondary card in my femme name for my own account. I didn't hear a peep out of the bank about this, so I finally got to deal with this issue, today. You can't get there from here.

The bank (TD Bank) doesn't have a friendly transgender policy when it comes to dealing with secondary names. If I wanted to add another family member to the card, no problem. The only way that I would be able to use my femme name on my current card would be to change the name on the card. I didn't want to do that.

The other choice would be to get issued a card through a new account. That is the way that I had to do this.

I made a request for the bank to find a better, more accepting, way for transgender people to be served by the bank.

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Duchess Annual
(@kt1819)
Joined: 6 years ago

Honorable Member     Ottawa area, Ontario, Canada
Posts: 601

@harriette I see you are also on canada/ontario and you are using td. 
I'm with td and I did go and add another td visa card with "Kelly Lee". Got a pile of warnings lile "the main card holder is responsible for the card and will have to pay" but after that I got my card. I guess it becomes another family member or something and after all that's pretty much what kelly is.

/kelly

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Lady
(@harriette)
Joined: 10 months ago

Noble Member     Toronto, Ontario, Canada
Posts: 1739

@kt1819 I said that it was like adding another family member, but the person went to his supervisor twice and this is what I had to do.

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Duchess Annual
(@kt1819)
Joined: 6 years ago

Honorable Member     Ottawa area, Ontario, Canada
Posts: 601

@harriette I did it all online = no supervisor to bug 🙂

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Duchess Annual
(@kt1819)
Joined: 6 years ago

Honorable Member     Ottawa area, Ontario, Canada
Posts: 601

I have now received another card for "Kelly Lee" so now I have both a CAD and a USD card, both from td.

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Lady
(@harriette)
Joined: 10 months ago

Noble Member     Toronto, Ontario, Canada
Posts: 1739

There is now an update.

The bank royally screwed up this procedure. After my attempt to get this moving again, I had hoped that they finally got it right. Wrong.

They sent out two new cards, including one for my original account. There was nothing wrong with my current card, but they felt it was necessary. That was on them.

The second card had, um, a typo. Maybe somebody thought that they had a good sense of humour. Wrong, again! How was I going to use a credit card with Mr Harriette... ?

So, I had to call back again. I got passed around until they figured out who really should assist me, but this customer service woman did it right. And I also learned why it was initially hard to do.

Originally, I thought that just adding another user name to my account would have been enough and easy to do, but each person or name must have their own number. I still think that they could have done this by just adding Harriette to my account, but maybe they insisted otherwise meant that they got a commission. I am not sure, at this point, but it wouldn't surprise me if they did. What is done is done.

So, I now have two cards in my wallet, one with my drab name, one with my femme name. They were expedited very quickly, so my wife saw the two envelopes before I knew they arrived in the mail. Then she started grilling me about why I had an envelope with my mother's name on it. She is still shaking her head over that one, but she had better get used to it now that that cat is out of the bag.

Life can get complicated. 🥰

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(@melissapenning)
Joined: 4 months ago

Active Member     Overland Park, Kansas, United States of America
Posts: 9

@harriette check out this article by Lisa Phelps on Kandi's Land. She has some great advice.

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Lady
(@harriette)
Joined: 10 months ago

Noble Member     Toronto, Ontario, Canada
Posts: 1739

@melissapenning I have now read Lisa's blog post. I didn't see anything that could really change anything that I did, but I still learned a couple of things.

The True Name card sounds as if it may benefit some crossdressers. And...

"MasterCard is accepted worldwide and doesn’t charge currency transaction fees (extra fees for charging in another currency)."

I will have to look into the last one.

Thanks for your tip, Mellissa.

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Lady
(@harriette)
Joined: 10 months ago

Noble Member     Toronto, Ontario, Canada
Posts: 1739

So far, I have used Harriette's credit card a few times. No problems. At one store, recently, I was asked for my name and e-mail and used Harriette and my easy to remember duck.com e-address.

The only stink-eye came from my wife as I received packages with Harriette on them. 

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Ambassador
(@ellyd22)
Joined: 8 months ago

Famed Member     Norfolk, United Kingdom
Posts: 2005

@alison-anderson I understand all of this, and thanks for resurrecting this @harriette 🙂 

I don't have any credit cards (never have) BUT I use my VISA debit card all the time while I'm out and about.

When I start going out on a more regular basis en femme, I know that I won't want the information on the card to be at odds with my preferred gender.

It would be lovely to have one that says 'Ellie Davis' (how wonderful!) but a compromise, which doesn't require switching accounts, would be just to ask the bank to issue a new card ... in my actual name but with no gender clues.

For example, if my male name was 'Mr Peter Piper' *spoiler alert: it isn't* I could just get my cards issued to P. Piper.

Banks have no problem with that at all.

However, I love the way that this whole thing seems to be moving 🙂

Hugs

Ellie x

 

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Baroness Annual
(@conniech)
Joined: 1 year ago

Estimable Member     Fairfax , Virginia, United States of America
Posts: 178

@ellyd22 "When I start going out on a more regular basis,...."👏🏼💃🏼 A future full of Forum and chats material. I'm looking ahead to them! 

🌹Connie

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Ambassador
(@ellyd22)
Joined: 8 months ago

Famed Member     Norfolk, United Kingdom
Posts: 2005

@conniech I'm hoping that not ALL of those trips will be noteworthy. But if anything worth reporting happens, the girls here will be the first to know ... whether they like it or not.

By the way, I'll be hitting the Boxing Day sales with my mum and sister this year in a specific hunt for dresses 🙂

Hugs

Ellie x

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Duchess
(@loneleycd)
Joined: 4 years ago

Noble Member     Roland, Iowa, United States of America
Posts: 1767

@alison-anderson I kind f went a step further.  A while back I called My capital one's card services explained to them what I wanted and why and got a new card almost right away.  I got both first and last names I requested.  Several months later I was able to do the same with my American Express card.  In fact American Express misspelled my first name s Caffie not Cassie, I called right away and they sent me a new corrected card.  

  The other thing I did is I am a Target retiree and have a perminent discount card (extra benifit for 40 years of service), I called the Target benifits line and requested a new card with Cassie's name.  So now I use Cassie's discount card when Cassie s shopping Target.

 

     Cassie

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Lady
(@leainvancouver)
Joined: 2 months ago

Reputable Member     Vancouver, British Columbia, Canada
Posts: 155

@alison-anderson Thank you for raising this. I haven't been out and about much as Lea and I appreciate you flagging this for me. I went onto my Mastercard account and added Lea as a family member. It was simple and easy so we'll see if it arrives in a few weeks. Lea doesn't even have an email address so I fixed that too. I'm on my way! Thanks for the inspiration!
Lea

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Posts: 2301
Managing Ambassador
(@emilyalt)
Famed Member     North County San Diego, California, United States of America
Joined: 5 years ago

I got an AMEX for Emily a couple of years ago.  It's linked to my main account.  I had to speak to a rep to get it.  After answering a few basic questions I told him I'm trans.  BAM!  He said that's all the info he needed and thanked me for being a customer.  I had the card a week later.

It comes in handy.  It's the only card I use when I'm out being myself.  I've used it in all sorts of places.

It's gotten a lot easier to get a card in the last few years.  Companies are realizing that supporting the LGBTQ community is good for business.  Some may view that cynically.  I see it as a win-win.

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Duchess
(@flatlander48)
Joined: 4 years ago

Noble Member     Cathedral City, California, United States of America
Posts: 1336

@emilyalt I first did that with my Green card several years ago. I did it entirely online and never talked to anyone. As the cards are tied together, the number for the 2nd card only differs in the last 5 digits. Since there was no problem, later I added a card for DeeAnn to my Blue card. Last year I was offered their Gold card that is linked to the Delta SkyMiles loyalty program. I joined as I had a ton of miles left over from before I retired as new charges/purchases are added to the SkyMiles. Anyway, each card has a twin.

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Posts: 5
Lady
(@bmembr)
Active Member     Winter Haven, Florida, United States of America
Joined: 3 years ago

Hi Emily. I did something similar with my Discover card. I called the customer service department and told them that I wanted to get a card for my girlfriend and put it under her full name, but I would be responsible for paying for it. They asked me a few questions and it was sent to me at my address. I use it for shopping purposes and identification. It really helps to have a credit card with my feminine name on it

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Posts: 0
Guest
(@Anonymous)
New Member
Joined: 1 second ago

Wow Alison....I have never heard of that before and didn't even realise you could.

Thank you !!!!

Grace xx

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Posts: 6785
(@aliceunderwire)
Illustrious Member     Near Burlington, Vermont, United States of America
Joined: 4 years ago

Hi Alison,

As Janine says you can add another user to your credit card and the financial institution will issue another card in that user’s name.  The primary card holder carries responsibility for paying all charges.  And the credit limit remains the same, but you could inquire about an increase.

Enjoy  that next shopping trip!

Alice

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Posts: 1422
(@bridgettek2020)
Noble Member     Virginia, United States of America
Joined: 3 years ago

I may look into that at some point, but right now the last thing Bridgette needs is a damn credit card, lol!

Bridgette

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Posts: 0
Guest
(@Anonymous)
New Member
Joined: 1 second ago

Capital one the card use they gave me one with my female name since told them my store and they were happy to do so of course kept male name too but use same credit.  As soon as my transition all my cards will be changed to Donna as well as driver license

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Posts: 0
Guest
(@Anonymous)
New Member
Joined: 1 second ago

True, Alice. In fact, when Chase sent my renewed card a few months ago, they also sent one with my wife's name on it, and I didn't even ask. I use it when Bettylou shops.

Bettylou

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Posts: 1383
Duchess
Topic starter
(@alison-anderson)
Noble Member     Middlesex county, New Jersey, United States of America
Joined: 5 years ago

Alice,

In the past I have seen them ask for personal information (birthday, SSN) even for secondary cardholders, which made me reluctant to reuse my info.

I have one card with my daughter, and last time they actually sent me two cards with my daughter's name in addition to the one with my male name.  So I have been using the second card with my daughter's name (we both share the same first initial, both her, my male name and my female name).

But I've used my male cards as well with no problem.  Most of the time they don't look.

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Posts: 1195
(@qtestephy)
Noble Member     Massachusetts, United States of America
Joined: 5 years ago

Hi Alison I do not trust credit card company's. It is just awful that society has played into their hands. They got what they wanted They want you to make a payment to them monthly for the rest of your life. They want you to give a credit card to your children and even your grandchildren so they can make a payment to them for the rest of their lives They are a bunch of crooks stealing legally and where are all their corporate headquarters? In Delaware USA where their is no Corporate income tax and who has been the recipient of very generous donations from these credit card company's not the poor, not the homeless , not the hungry not any one in need except for those people who need to get re-elected. So they can pass laws that allow these crooks to charge up to 30% interest on remaining balances. Do not get me started. I remember when their was a time when people would put money into a savings account until they had enough money to buy that new washing machine or buy those Christmas gifts that were to be given the next year. Save your money then buy what you want when you have the money or at the very least pay off your credit cards at the end every month. Do not play into their hands. Thank you for getting my heart started this morning.

Stephanie

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Posts: 0
Guest
(@Anonymous)
New Member
Joined: 1 second ago

For me, it's very handy to have a card that matches my feminine presentation and I use it all the time. I'm one who uses my card regularly, pays it off monthly, and collects rewards. Years ago, I joined a local CD group, and it was the other members there who suggested it. Now when I'm out shopping, dining, etc., I just pay with my Robyn card.

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Posts: 6785
(@aliceunderwire)
Illustrious Member     Near Burlington, Vermont, United States of America
Joined: 4 years ago

Hi Alison,

You’re right that you can have another authorized user for the credit card and there usually isn’t any problems shopping with it.  In the situation of getting a new card the issuer will ask several questions about your income, ssn, etc. to determine your limit and authorize your information.

Alice

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Posts: 1383
Duchess
Topic starter
(@alison-anderson)
Noble Member     Middlesex county, New Jersey, United States of America
Joined: 5 years ago

I eventually got a card in Alison's name. The funny this was, they were then trying to get Alison to get her own card. Since "Alison" doesn't have any unique government ID or credit rating (or even bank account to pay for purchases), I just fed the offers to my shredder.

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Posts: 343
Duchess
(@jennconn)
Reputable Member     Florida, United States of America
Joined: 1 year ago

One word of caution to anyone who is CD and not trans is that by getting another card in another name is you risk having credit reported in 2 names with the same birth date and Social Security number.  If you are not currently out to your spouse or significant other, these cards under the same social security number will be reported to the 3 major credit bureaus.  If you and your spouse apply for joint credit for say a house, they will require an explanation of who the other name belongs to.  So, you may unintentionally out yourself, which isn’t something you might have planned for.  

Also, be aware that the more credit you apply for in either name will have an effect on your credit score.  Just a bit of information to consider when applying for credit.  I hope this helps.

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2 Replies
Baroness Annual
(@conniech)
Joined: 1 year ago

Estimable Member     Fairfax , Virginia, United States of America
Posts: 178

@jennconn Helped? It sure does, Jenn. Specific, clear and expert . Thank you.

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Duchess
(@alison-anderson)
Joined: 5 years ago

Noble Member     Middlesex county, New Jersey, United States of America
Posts: 1383

@jennconn I got my card without giving any government info (social security number or birthday). This alone would disqualify me from getting a card 'with my own credit', which they tried 2 or 3 times to do. Not to mention Alison has no income or savings, but my male self does. If I needed to give such info, I would not have gotten the card as I didn't want two different names linked to the same ID.

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Posts: 1
(@laurenbrooke1987)
New Member     Lee's Summit, Missouri, United States of America
Joined: 3 months ago

That was not only great information, but a very caring gesture!  Thank you so much for the insightful knowledge!

LaurenBrooke

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