Additional credit cards

[dakota30]

Does anyone know (and someone here always does) , can a primary credit card holder get a second card in whatever name they choose, or does identification have to be produced for the secondary card? Along the same lines, a few months ago in the Sun, there was an article about a company in England that was making driver's licences that would fool most everyone. They were being marketed as a gag gift. Does anyone have a link to that company?

Thanks
Dak'

 

[vancouverman]

p.s. and yes dear I'm going back to work right now

and why would you do this?
a sunny day in vancouver, I just shoot 500 rounds, and don't feel like working at ALL

 

[CARGO1]

amex

Amex issued my son a card under my card holders agreement, never even asked if he was of legal age consent, no credit check, they were more concerned about getting the additional card out in circulation. I never told them he is 11 and that I was just getting it for the extra 50 airmiles.

But as HiFi said, fraud,is severly punishable, and the banks have the means to execute criminal prosecution.

Cargo

 

[vancouverman]

I once got a CC form send to my address with my dog name as a first name there, and my last name .... pprinted as main card owner.
The only way they could get such a combination was from a prescription drug for my dog, from 6 months earlier.

I should keep this form, or even apply for the card. Wonder what I would have to use for the CC owner signature.

 

[chuck1561]

I once got a CC form send to my address with my dog name as a first name there, and my last name .... pprinted as main card owner.
The only way they could get such a combination was from a prescription drug for my dog, from 6 months earlier.

I should keep this form, or even apply for the card. Wonder what I would have to use for the CC owner signature.

hey VM I bet if you got your doggie that CC , he'd have a great time shopping..probably buy you a gift too..

 

[Curious Boy]

You can have as many names as you like as long as you pay your bills.

"If the victim is not deprived of property, money or a valuable security, then it is not fraud. To convict for fraud, the crown must establish and prove dishonest deprivation. In other words, someone must have been deprived of property, money or a valuable security, and there must have been an element of dishonesty."

In other words, if I have a dozen Amex cards, and keep them paid up, there is no criminal offense. If you try to skip payment, THEN it becomes fraud.



. . . my ex taught me things I didn't really want to know . . .

 

[Big Trapper]

What he said ^

In Canada you can have as many aliases as you like, as long as there is no fraud or intent to defraud.

There is no such crime as personation (sic).

 

[polarice]

Additional credit cards YUP!

I have done this a few times for employee's and once for a friend with bad credit. The name on the secondary card is irrelevant. Only draw back for the primary is that the bills acrued are all his or hers. Got kinda scary a few times.

 

[tom25]

In Canada you can have as many aliases as you like, as long as there is no fraud or intent to defraud.

There is no such crime as personation (sic).

Hate to disagree about the crime of personation, but this is straight from the Criminal Code, including the spelling.

Personation

Personation with intent
403. Every one who fraudulently personates any person, living or dead,

(a) with intent to gain advantage for himself or another person,

(b) with intent to obtain any property or an interest in any property, or

(c) with intent to cause disadvantage to the person whom he personates or another person,

is guilty of an indictable offence and liable to imprisonment for a term not exceeding ten years or an offence punishable on summary conviction.

Tom

 

[Orson35]

Does anyone know (and someone here always does) , can a primary credit card holder get a second card in whatever name they choose, or does identification have to be produced for the secondary card? Along the same lines, a few months ago in the Sun, there was an article about a company in England that was making driver's licences that would fool most everyone. They were being marketed as a gag gift. Does anyone have a link to that company?

Thanks
Dak'

I have seen the drivers licences from www.souvenirids.com and they look like the real thing.

I have not ordered any myself, so up to you.

 

[dakota30]

Thanks so much to everyone who answered

And that made me laugh CB

 

[Penhold]

Hate to disagree about the crime of personation, but this is straight from the Criminal Code, including the spelling.

Personation

Personation with intent
403. Every one who fraudulently personates any person, living or dead,.....

What if you are not personating a person, living or dead, but simply using an alias? Does using an alias constitute personating yourself? Is this caught by the section?

Curious minds want to know.

 

[tom25]

What if you are not personating a person, living or dead, but simply using an alias? Does using an alias constitute personating yourself? Is this caught by the section?

Curious minds want to know.

My understanding is that so long as you aren't using the alias to defraud someone then you are o.k. Otherwise there are offences that deal with that sort of thing. So If you used an alias to get phone service, but with the intention of not paying and the phone company not being to track you down, then that's a problem. But if you just want a phone in a name other than your own -- say a cell phone for calling your favourite ladies -- but pay your bills, no big deal. no intent to defraud, no criminal offence.

Tom

 

[Big Trapper]

Sheesh...

Hate to disagree about the crime of personation, but this is straight from the Criminal Code, including the spelling.

The older I get, the dumber I seem.

BT

 

[vinnie]

I have several cards issued under different aliases. I also hold multiple card accounts from the same card issuer. The accounts have different credit limits, and I will use the low credit limit card to entertain SPs or to lend it to family members.

On a different note, I have one card billed to a US address. This is quite useful when purchasing goods and services that require a US billing address.

Although I have never tried it, it is possible to obtain pre-paid cards issued under any name. Some sellers of these cards have a one-time processing fee and also monthly fees, based on the number of transactions.

 

[tom25]

The older I get, the dumber I seem.

BT

lol BT ... its an arcane spelling and use. You don't hear many people going around using it.

Tom

 

[tom25]

I got a gold Amex and a gold Visa for my favourite girl, they were supplementary cards to my own so there was no credit check of the person named on the card. As pointed out above, the companies don't care what the name is because they already have me on the hook for the bills.

I think HiFi's point is that it isn't so easy to get new card accounts issued for an alias unless there is actually a background for the name. Sure, if you opened up a bank account under the false name, created a credit record for it, etc., etc, you could do it. But banks need real i.d. before you can even open up the account.

Getting an additional card on an existing account is usually no problem at all.

Tom

 

[CARGO1]

c/c

revolving accounts such as credit cards are the second easiest form of credit to obtain next to mortgages. very little investigation is involved in pre qaulifing of such tyes of credit. Proof of income is seldom done but may extend as far as employment verification. acceptable ratings or scores (fico, beacon) can be very low in the low 600's or higher 500's what they are looking for is finance relationships, stability ( residence, employment) and of course affordability last. Keep in mind they expect a high default rate usually as high as 35% hence the 18- 29% rate. the good payee's pay for the credit criminals.the card companies affordability is based on a repayment of 3% of principal eg, $ 1000 = $30 p/m in payment making the customer or creditor's tdsr/dsr very affordable. absoulutly everyone can and will qaulify for some form of c/c gauranteed. look up hometrust.ca they offer secured visa's.

Creditors use the c/c as bait to lure in good credit customers or instalment type customers, car loans, mortgages etc. they need to issue c/c cards to pre determine credit worthiness before issueing high value loans.

Cargo