Was this a bad idea? (Authorised user isn't real)
#1
Original Poster
Join Date: Nov 2012
Posts: 3,537
Was this a bad idea? (Authorised user isn't real)
So, my legal name isn't actually Alex, but Alex is the name I use. I hate it at restaurants when they read the name on the card (my legal name) and say "have a nice day -my legal name that I hate-" - knowing that some card companies allow authorised users with no evidence that is a legal person, I got online and tried - only Bank of America and American Express wanted a SSN. The others let me just type in Alex and get an authorised user card.
Will these banks (Discover, Citi, Barclay's, Chase) try to add this to a credit report, realise Alex isn't a legal person and is just the name I normally use, and take adverse action? I know I probably should have tried just one instead of going for all four but I'm like "okay, I'm sick of this credit-card-has-legal-name thing, I'm taking care of this now" - it's too late obviously, but do you all foresee any issues?
Will these banks (Discover, Citi, Barclay's, Chase) try to add this to a credit report, realise Alex isn't a legal person and is just the name I normally use, and take adverse action? I know I probably should have tried just one instead of going for all four but I'm like "okay, I'm sick of this credit-card-has-legal-name thing, I'm taking care of this now" - it's too late obviously, but do you all foresee any issues?
#2
Suspended
Join Date: Oct 2006
Location: Atherton, CA
Programs: UA 1K, AA EXP; Owner, Green Bay Packers
Posts: 21,691
It's pretty cheeky for anyone to call you by your first name without being invited to, but a little silly to go to the length you did to avoid it. Just develop a steely glare and correct them by saying "It's MISTER MT." You'll be doing them a favor.
#3
Original Poster
Join Date: Nov 2012
Posts: 3,537
Where I live, using Mr/Miss legal name would be considered too formal and itself possibly insulting. I get called Mr/Miss very rarely (and I laugh, you'd have to meet me to understand why, but it's basically a 50/50 split between Mr and Miss when it does happen...).
#5
Original Poster
Join Date: Nov 2012
Posts: 3,537
#8
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,100
#10
Join Date: Jan 2011
Location: Shenzhen China
Posts: 82
#11
Join Date: Jul 2013
Posts: 1,036
So, my legal name isn't actually Alex, but Alex is the name I use. I hate it at restaurants when they read the name on the card (my legal name) and say "have a nice day -my legal name that I hate-" - knowing that some card companies allow authorised users with no evidence that is a legal person, I got online and tried - only Bank of America and American Express wanted a SSN. The others let me just type in Alex and get an authorised user card.
Will these banks (Discover, Citi, Barclay's, Chase) try to add this to a credit report, realise Alex isn't a legal person and is just the name I normally use, and take adverse action? I know I probably should have tried just one instead of going for all four but I'm like "okay, I'm sick of this credit-card-has-legal-name thing, I'm taking care of this now" - it's too late obviously, but do you all foresee any issues?
Will these banks (Discover, Citi, Barclay's, Chase) try to add this to a credit report, realise Alex isn't a legal person and is just the name I normally use, and take adverse action? I know I probably should have tried just one instead of going for all four but I'm like "okay, I'm sick of this credit-card-has-legal-name thing, I'm taking care of this now" - it's too late obviously, but do you all foresee any issues?
#12
Original Poster
Join Date: Nov 2012
Posts: 3,537
I don't think you read my post I said I wanted a card under the name I actually use. Not the opposite. Anyway it seems it'll be no problem some people have their cats with Chase lol.
#14
Join Date: Nov 2008
Location: AZ
Programs: HH Diamond
Posts: 200
Legal Name Change
The process of getting the legal name change is easy - I did it a while ago. No lawyer was required in my state. But then you have to change EVERYTHING ELSE - social security, drivers license, passport, credit cards, frequent flyer/hotel programs, etc...
I didn't have to change those things for the legal name change because I was simply changing the birth certificate to finally match DL, SS and credit cards. But when I got married a few years later, I had to change everything and that was very time-consuming.
I didn't have to change those things for the legal name change because I was simply changing the birth certificate to finally match DL, SS and credit cards. But when I got married a few years later, I had to change everything and that was very time-consuming.
#15
Join Date: Jun 2010
Location: USA
Programs: SA Air, Air Canada, KLM, BA,Lufthansa, United, AA, Hawaiian, Air New Zealnd, Qantas, Virgin Atlantic
Posts: 777
I guess I don't see the problem.
I also do not like my given name, and have not used it since I was about 10 years old. Half of my credit cards have the name I use, and the other half have my legal given name.
My drivers license and passport have my given name.
Alex, have I misunderstood your question?
I also do not like my given name, and have not used it since I was about 10 years old. Half of my credit cards have the name I use, and the other half have my legal given name.
My drivers license and passport have my given name.
Alex, have I misunderstood your question?