I sometimes find it convenient to keep two wallets in different sets of
clothing. At present, I swap my debit/cash card from one to the other,
but it would be nice not to have to. Is there such a thing as a second
debit card on the same account, like his&hers cards for a couple but
both in my name? I can't see why this presents an intrinsic problem, but
I've never heard of it being offered.

Obviously I could have a second account, but that's a lot of
complication just to avoid swapping cards over when I change from work
clothes into BBQ shorts.

At present I'm with Halifax, but I'm curious whether this exists anywhere.

Cheers,

Pete

On 25 June, 01:02, Pete Verdon
d wrote:
I sometimes find it convenient to keep two wallets in different sets of
clothing. At present, I swap my debit/cash card from one to the other,
but it would be nice not to have to. Is there such a thing as a second
debit card on the same account, like his&hers cards for a couple but
both in my name? I can't see why this presents an intrinsic problem, but
I've never heard of it being offered.

Obviously I could have a second account, but that's a lot of
complication just to avoid swapping cards over when I change from work
clothes into BBQ shorts.

At present I'm with Halifax, but I'm curious whether this exists anywhere.

Cheers,

Pete

I've never heard of it. You could always ask your bank, but I would
suspect they might think it was a fraud risk.

Imagine that you make a withdrawal in London, and ten minutes later
there is a withdrawal in Edinburgh. With only one card, you can say
'they can't both have been me; somebody must have cloned my card'.
With two cards, when the bank asks you 'was the card in your
possession at all times', you're going to have to say 'no' - and the
bank is going to suspect that your work colleague/spouse/relative made
the Edinburgh withdrawal, either with or without your consent.

Alternatively, with only one card you're going to notice when you've
lost it, and report it to the bank pretty quickly; with two, you might
not realise you've lost the second one for ages. (Obviously some
people don't use particular accounts for ages, so also wouldn't notice
the loss of their card, but there doesn't tend to be much activity on
those accounts so the bank would probably spot the fraudulent
transactions).

I appreciate that the second card doesn't make fraud intrinsically
more likely, but I still think it might be a problem for the bank.

On 25 June, 08:11, Mouse wrote:



Imagine that you make a withdrawal in London, and ten minutes later
there is a withdrawal in Edinburgh. *With only one card, you can say
'they can't both have been me; somebody must have cloned my card'.

Although the bank could of course identify the cards separately; I
shouldn't post when I'm still asleep!

Every time my card is renewed my old card validity overlaps my new card by
one month. So the banks can cope with this.


"Pete Verdon" d wrote in
message ...
|I sometimes find it convenient to keep two wallets in different sets of
| clothing. At present, I swap my debit/cash card from one to the other,
| but it would be nice not to have to. Is there such a thing as a second
| debit card on the same account, like his&hers cards for a couple but
| both in my name? I can't see why this presents an intrinsic problem, but
| I've never heard of it being offered.
|
| Obviously I could have a second account, but that's a lot of
| complication just to avoid swapping cards over when I change from work
| clothes into BBQ shorts.
|
| At present I'm with Halifax, but I'm curious whether this exists anywhere.
|
| Cheers,
|
| Pete

In an earlier contribution to this discussion,
Pete Verdon d wrote:

I sometimes find it convenient to keep two wallets in different sets
of clothing. At present, I swap my debit/cash card from one to the
other, but it would be nice not to have to. Is there such a thing as
a second debit card on the same account, like his&hers cards for a
couple but both in my name? I can't see why this presents an intrinsic
problem,
but I've never heard of it being offered.

Obviously I could have a second account, but that's a lot of
complication just to avoid swapping cards over when I change from work
clothes into BBQ shorts.

At present I'm with Halifax, but I'm curious whether this exists
anywhere.
Cheers,

Pete

They probably wouldn't officially allow it. But how about getting a second
card for a ficticious brother who happens to have the same initials as you?
--
Cheers,
Roger
______
Email address maintained for newsgroup use only, and not regularly
monitored.. Messages sent to it may not be read for several weeks.
PLEASE REPLY TO NEWSGROUP!

On Thu, 25 Jun 2009 01:02:56 +0100, Pete Verdon
d wrote:

I sometimes find it convenient to keep two wallets in different sets of
clothing. At present, I swap my debit/cash card from one to the other,
but it would be nice not to have to. Is there such a thing as a second
debit card on the same account, like his&hers cards for a couple but
both in my name? I can't see why this presents an intrinsic problem, but
I've never heard of it being offered.

Obviously I could have a second account, but that's a lot of
complication just to avoid swapping cards over when I change from work
clothes into BBQ shorts.

At present I'm with Halifax, but I'm curious whether this exists anywhere.

I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings, current
and credit accounts all encoded into a single credit card, so I only
need to carry one card around which does everything. That leaves the
normal ATM card that came with my current account free as a spare. I
normally keep this card in the glove compartment of my car as a backup
in case I forget my wallet when I leave home or lose it somehow.

Chris

In an earlier contribution to this discussion,
Chris Blunt wrote:


I don't know whether this is possible in the UK, but all accounts I
hold with HSBC overseas allow you to have multiple account types
encoded into a single debit or credit card. I have my savings, current
and credit accounts all encoded into a single credit card, so I only
need to carry one card around which does everything.

So how does the card know which feature you wish to use on a per-transaction
basis?
--
Cheers,
Roger
______
Email address maintained for newsgroup use only, and not regularly
monitored.. Messages sent to it may not be read for several weeks.
PLEASE REPLY TO NEWSGROUP!

Stickems. wrote:
Every time my card is renewed my old card validity overlaps my new card by
one month. So the banks can cope with this.


"Pete Verdon" d wrote in
message ...
|I sometimes find it convenient to keep two wallets in different sets of
| clothing. At present, I swap my debit/cash card from one to the other,
| but it would be nice not to have to. Is there such a thing as a second
| debit card on the same account, like his&hers cards for a couple but
| both in my name? I can't see why this presents an intrinsic problem, but
| I've never heard of it being offered.
|
| Obviously I could have a second account, but that's a lot of
| complication just to avoid swapping cards over when I change from work
| clothes into BBQ shorts.
|
| At present I'm with Halifax, but I'm curious whether this exists anywhere.
|
| Cheers,
|
| Pete


Although if you use the new one does it cancel the old one?

On Thu, 25 Jun 2009 01:02:56 +0100, Pete Verdon wrote:
I sometimes find it convenient to keep two wallets in different sets of
clothing. At present, I swap my debit/cash card from one to the other,
but it would be nice not to have to. Is there such a thing as a second
debit card on the same account, like his&hers cards for a couple but
both in my name? I can't see why this presents an intrinsic problem, but
I've never heard of it being offered.

I don't know how you manage to have such a problem to take your wallet
out of your pocket when you get changed then put it back in your pocket
afterwards.

Do you have two sets of keys and two mobiles as well?
Have you ever forgot to take your wallet out when you wash your clothes?

Brown Cat wrote:

On Thu, 25 Jun 2009 01:02:56 +0100, Pete Verdon wrote:
I sometimes find it convenient to keep two wallets in different sets of
clothing. At present, I swap my debit/cash card from one to the other,
but it would be nice not to have to. Is there such a thing as a second
debit card on the same account, like his&hers cards for a couple but
both in my name? I can't see why this presents an intrinsic problem, but
I've never heard of it being offered.

I don't know how you manage to have such a problem to take your wallet
out of your pocket when you get changed then put it back in your pocket
afterwards.

He feels he needs to keep a photo of his wife in his wallet. But he doesn't
want his two wives to know about each other. The photos would get damaged
if he were to swap them in and out of one wallet all the time, and that's
why he needs two wallets.

Do you have two sets of keys and two mobiles as well?

You betcha.

Have you ever forgot to take your wallet out when you wash your clothes?

No chance. His wives wash his clothes, so he has to make damn sure the
wrong wallet/phone/keys are never in them.