Can you get duplicate credit cards, to have a spare?

[wasCB14]

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@Anonymous wrote:

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@wasCB14 wrote:

Do Discover cards with dfferent A numbers have different 3-on-the-back numbers?

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Good question. 

Nope. 

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I've never had a merchant ask for my card's A number. And even if one did, even an idiot could guess that A002 might be worth trying instead of A001.

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@Anonymous wrote:

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@kudosalert wrote:

if you lose 1 card while traveling, wouldnt you cancel it right away? this would make the spare w/ on the same account invalid.

i know AU on Amex get their own card number so it's easy for you to see who charged what on the statement but i'm not sure how it would work if you lose and cancel the main card.

other than that, i only keep 1 debit and 1 credit card on me while traveling. the rest stays somewhere else off...

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Disco uses the same card number for all cards on an account, but has a "designator" printed on the back of the card to differentiate them. My wife has an AU on my It Cash. We share the account number on the card but hers has an "A2" or some such designator. When I replaced my spruce Disco card with the monogrammed one, my monogrammed card was A3. In the instance of losing one, say I lose the Spruce card, I just call and cancel the A1 card. The others are unaffected.

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It seems like card A001 could at the very least be used fraudulently online...even if Discover could somehow shut down the physical card. Continuing to use A002 and A003 (without getting a new card number) when A001 is lost leaves you very open to fraud.

[Anonymous]

If there is fraud, Disco will shut down all in the series and any AU cards and reissue them because they all share the same number. 

[longtimelurker]

I find the digital wallet acts as a duplicate for all the cards I need.   It's also reduced the need for AUs, so my wife can use my Freedom card while I use the SP one, so she doesn't need an AU account on her credit report.   And for cards such as the AR where there is a fee for AUs.....

[wasCB14]

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@longtimelurker wrote:

I find the digital wallet acts as a duplicate for all the cards I need.   It's also reduced the need for AUs, so my wife can use my Freedom card while I use the SP one, so she doesn't need an AU account on her credit report.   And for cards such as the AR where there is a fee for AUs.....

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Have any issuers ever given you a problem with having a card on multiple devices?

[Loquat]

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@wasCB14 wrote:

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@longtimelurker wrote:

I find the digital wallet acts as a duplicate for all the cards I need.   It's also reduced the need for AUs, so my wife can use my Freedom card while I use the SP one, so she doesn't need an AU account on her credit report.   And for cards such as the AR where there is a fee for AUs.....

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Have any issuers ever given you a problem with having a card on multiple devices?

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@wasCB14 I have my cards on my AppleWatch and my iPhone and I've never had an issue with a lender questioning why my card is on 2 devices.  

[Loquat]

@coreysw12 With Citi you can request another card. You'll get the exact same as you already have...same number, CVV, and expiration. Bank of American also allows for a duplicate card. Other issuers such as Amex will allow for a second card but the expiration and CVV changes.

[eastsea]

If you lose your card overseas, or anywhere for that matter, wouldn't it be wiser to report the card lost immediately instead of using a duplicate?  

[AverageJoesCredit]

Never heard of being an AU on one's own card I guess technically we are all authorized users

[Loquat]

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@AverageJoesCredit wrote:

Never heard of being an AU on one's own card I guess technically we are all authorized users

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@AverageJoesCredit The only one I know who encourages such is Amex.  I once called after an approval to see if my card could be expedited and they told me that they couldn't because the system has already determined it to be postal mail but I could add myself as an authorized user and they could then expedite the card if I wanted.  

[AverageJoesCredit]

Thanks @Loquat , interesting.  What a way to self abuse lol