I know the above relates to debit cards but anyway....
We (as in my wife and I) have joint accounts with HSBC and Nationwide.
Our HSBC credit cards are completely different, different number,
different PIN, etc.
Our Nationwide cards have the same number, 'security' number on the
back, etc. (The names on the front are different, as are our PINs).
It's handy sometimes as I can buy things like rail tickets with 'my'
credit card and my wife can use 'her' credit card in the ticket
machine to get the tickets.
So extra cards may or may not have the same details as the 'parent'
card, it seems to depend on provider.
It does. We have credit cards which are essentially identical and others
which are completely different.
Accounts with identical cards cancel both if one of them is lost or
stolen, but accounts which have different cards cancel just the one,
leaving the other one still working. This has worked to our advantage
when we've been travelling and one of our cards has been cloned and
That's not as clever as it seems. I don't know the purpose of the card
check on ticket machines but they certainly don't check the account
number. I regularly buy using a credit card and collect using a debit
card (accounts with different banks).
Interesting, as my wife and I have a joint Nationwide
account with debits cards with the same number, 'security'
number on the back, etc. but, like yours, different names
However, our Nationwide credt cards are completely different
to the extent of receiving individual statements.
Note that we didn't ask for separate accounts - we assumed
that it would just be a normal joint account until the
monthly statements started arriving!
IME, the original one continues working until the first time you
use the new one. If you haven't used the new one within a few days
of them dispatching it, you get an SMS asking you to let them know
if you haven't received it. (This is a different bank, and probably
they all vary slightly.)
[email address is not usable -- followup in the newsgroup]
Ouch, I don't like the sounds of 'fiddle'!
That aside, don't they cancel the 'original' card? I always assumed they
The OP didn't mention which bank it was. If it is one which offers
'tiered' (my word) services depending on income/savings etc, you get the
basic card plus the 'enhanced' one if you qualify. The enhanced one
allows things like higher daily cash withdrawals, free services, etc. At
least one high st bank offers this free.
Of course, there is the question of the other person using the other
card. If the account terms say you can't 'loan out' the card, there is a
Suspect someone is claiming a benefit under false pretences? Incapacity
Benefit or Personal Independence Payment when they don't need it? They
I had a new Mastercard, wanted a second identical one to keep secreted
away in the car for emergencies like leaving my wallet at home, so I
told Mastercard my original card was faulty. They sent a second
identical one and both cards continued to operate for the remainder of
their active lives.
On Mon, 18 Dec 2017 09:26:15 +0000, Bob Minchin wrote:
IME as PoA for a number of accounts, no. Although named as PoA on the
accounts I have been unable to obtain a debit card and all the
suggestions have been that I should use the account holder's card.
Not always easy when the account holder is female and I'm a man , or so
you'd think, but never once has my use of the cards been queried when
People never look at the name on the cards these days they just expect
the machines to tell them if there is a problem.
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