topic Re: Multiple credit cards, same name, same account, different number in Credit Cards

Multiple credit cards, same name, same account, different number

Anonymous — Tue, 28 May 2013 03:23:39 GMT

Time to ask a question of the all knowing and powerful Oz, a.k.a. myFICO forum members.

I am wondering if it is possible to have two credit cards with the same user name, same account but different numbers? What I am really looking for is a primary card with my full credit limit from XYorZ bank and a secondary card in my name also which I can set a limit on the spend capability on.

Okay, I know that seems like an odd situation I am trying to create but there is a great reason. I often run into the problem that I go to the gym and don't end up having my wallet with me. I then go to the store only to find I don't have a card with me. I keep $20 in my gym bag but would like to also keep a card in the bag which I can use in these self created "emergencies". I really don't want to have a card with the full credit available should the bag be lost. My thought was it would be nice to be able to set a limit of like $200 on the card and that way I have some spending ability without the option for someone else to go nuts.

Maybe I am just making too much of this and it would be simpler to just get a second card with the same number and throw it in the bag.

Thoughts, ideas, recommendations? TIA.

Re: Multiple credit cards, same name, same account, different number

nicholasyud — Tue, 28 May 2013 03:28:51 GMT

Get $200 pre paid CC buddy

Re: Multiple credit cards, same name, same account, different number

navigatethis12 — Tue, 28 May 2013 03:36:33 GMT

Citi and American Express let you set limits for autorised users. American Express account numbers will be different; I am unsure about Citi. Business credit cards will also be a different number and let you set limits.

Re: Multiple credit cards, same name, same account, different number

Anonymous — Tue, 28 May 2013 12:07:24 GMT

Yeah but can you set yourself as an authorized user? I did not think that would be possible.

Re: Multiple credit cards, same name, same account, different number

Anonymous — Tue, 28 May 2013 12:08:09 GMT

@nicholasyud wrote:
Get $200 pre paid CC buddy

There would be no protection in that. That would be the same as throwing $200 in the bag.

Re: Multiple credit cards, same name, same account, different number

vn25 — Tue, 28 May 2013 12:23:02 GMT

Can you open an amex: pass account and link it to your main amex account, and keep that one at the gym?

Re: Multiple credit cards, same name, same account, different number

Anonymous — Tue, 28 May 2013 13:37:25 GMT

discover has a feature where it lets you choose another design and have both cards coexist with each others and yet they do have a marker to distinguish between the two (A001, A002, and etc). see if the trick (preset limit for one of them) above mentioned with authorized user works with discover

Re: Multiple credit cards, same name, same account, different number

Themanwhocan — Tue, 28 May 2013 14:04:10 GMT

You can just have multiple credit cards, you know.

I'm sure you could convince any credit card company to give you another credit card, and simply request the credit limit be something really low. If you ever get an auto cli, just call and ask for a decrease... Or choose a company that allows you to reallocate credit limits between cards, then whenever you get an auto cli, use reallocation to reduce the limit on the gym bag card, while moving the increase to your high limit card(s).

Set up automatic payments, and you're good to go.

Re: Multiple credit cards, same name, same account, different number

webhopper — Tue, 28 May 2013 16:23:47 GMT

@Anonymous wrote:
discover has a feature where it lets you choose another design and have both cards coexist with each others and yet they do have a marker to distinguish between the two (A001, A002, and etc). see if the trick (preset limit for one of them) above mentioned with authorized user works with discover

I have this problem more than I care to admit. I have multiple Discovers.. One stays in the wallet, one stays in my desk drawer in my home office. The Discovers have the same account number but different Card IDs

My Zync stays in the glove compartment of the vehicle, which is locked. I keep a debit card at work, which has no ATM fees no matter which ATM I use, just in case I leave my wallet at home and need some cash...

My daughter has a pre-paid Visa Buxx Debit card from NFCU that she keeps with her, the card replacement fee is $5, but so far I haven't had to replace the card for her. I told her that if the card had to be replaced, then the $5 would come out of her pocket.

Re: Multiple credit cards, same name, same account, different number

Anonymous — Wed, 29 May 2013 04:16:50 GMT

@Anonymous wrote:
discover has a feature where it lets you choose another design and have both cards coexist with each others and yet they do have a marker to distinguish between the two (A001, A002, and etc). see if the trick (preset limit for one of them) above mentioned with authorized user works with discover

I think I am going to take this approach since it seems the easiest to do. Thanks for the feedback from everyone.

Re: Multiple credit cards, same name, same account, different number

nyancat — Wed, 29 May 2013 06:25:07 GMT

The whole thing seems silly. If the card gets stolen, so what? You're not liable as long as you report it stolen immediately.

Re: Multiple credit cards, same name, same account, different number

LS2982 — Wed, 29 May 2013 11:06:35 GMT

@Anonymous wrote:
Yeah but can you set yourself as an authorized user? I did not think that would be possible.

I don't think it's possible either, but I would call them and explain your situation.

Re: Multiple credit cards, same name, same account, different number

Anonymous — Wed, 29 May 2013 12:35:37 GMT

@nyancat wrote:
The whole thing seems silly. If the card gets stolen, so what? You're not liable as long as you report it stolen immediately.

You are correct, I would not be responsible but the entire process can be annoying and time consuming with the paperwork and phone calls. I have had five card numbers stolen in the last three years with very different experiences with each card company. The last was a Citi card which was hit with just under $30,000 over a weekend. This was not a personal card but a corporate purchasing card but I did the same "stuff" I would need to do if it were my own. I honestly thought the woman from Citi I spoke to on the phone was going to cry. I have never experienced another CSR get emotional about charges but she was clearly upset.

Re: Multiple credit cards, same name, same account, different number

nyancat — Wed, 29 May 2013 17:51:59 GMT

Be more careful! And you'd STILL go through all that over $200. The process wouldn't be meaningfully different. Just watch out And hope for true Chip-and-PIN in the US soon.