Posted by William Charles on June 23, 2019
Credit Cards

Published on June 23rd, 2019 | by William Charles

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Mastercard To Launch ‘True Name’ Program

On June 17th, Mastercard announced ‘True Name‘. The press release states this is a card, but actually it’s a process that card issuers can opt into that allows people to change the name on their credit, debit or prepaid card to reflect their true identity. Mastercard describes this as follows:

‘We are working with partners to create a product, as well as a sensitive and private process free of personal questions, that will allow for true names, not deadnames, to appear on cards without the requirement of a legal name change. This will ease a major pain point for the transgender and non-binary community.’

Personally I’m all for this, but would rather it happen on the ID level as well otherwise it could lead to situations where a merchant asks to see ID to verify the card identity and then that’s not possible. Before leaving a comment, remember that if you don’t have anything nice to say it’s better to say nothing at all.



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Midnight
Midnight

I wonder if this could be used to modify your name on the card to remove your middle initial or middle name from the card if you didn’t want it on the card.

tennismenace3
tennismenace3

Middle initials are optional on card applications.

Midnight
Midnight

I was meaning like if you changed your mind or something.

TJ
TJ

Then you just call the card issuer and have them send you out a card without the middle initial etc.

BUT_WHY_MALE_M0DELS
BUT_WHY_MALE_M0DELS

just curious, what would cause you to do that? other than maybe wanting to let a son/father of the same name use it?

Closertothesun
Closertothesun

My father’s middle name is Elroy. He was pretty pissed when BotW insisted he put it on his debit card. 🙂

MSer
MSer

I want to change my true name to Gift Card

Hari

MS friendly Simon Mall should get into this ASAP!

Ash
Ash

And I want to “Gift Card Recipient”

Dick Bupkiss
Dick Bupkiss

Sincerely, Especially For You.

doc
doc

Funny, but that would be quite inconveniencing.

CM

AmEx already had a name on card field. Their systems are very bogus, however, and they keep losing some characters in my name in some parts of their system — but all me AX cards only have me first name on ’em.

N
N

Yup, when applying for an AMEX card there is an entry for ‘name to appear on the card’.

You can even enter a single character (that has nothing to do with your name, but it probably needs to be a printable char, as in not a space) and they will ship you a card with that letter on it, as well as referring you as that letter in many correspondents such as statement, phone conversations, and lounge check in (“Welcome back N, how’s the day going for you?”).

Coincidently I’ve never being asked for ID check while using cards like that, but of course that risk is very real;)

Snorlax
Snorlax

AMEX cards have a tiny character limit too.

Jeff H
Jeff H

Sister made an AU cardfor me as Jeff H when my legal /CC name is Jeffrey H. in this case, it can be a good thing.

In other cases, I can see stolen ID and CC report problems

Emporio
Emporio

Obviously this press release was timed to coincide with gay Pride. If this is a legitimate and widespread issue then that’s great Mastercard is being proactive in addressing it. However I have feeling that the number of Mastercard users that want to use a different name to reflect their gender identity without changing their legal name is next to none. This is nothing more than a shameless marketing ploy attempting to appeal to the LGBT community.

sechs
sechs

Yes, but that doesn’t somehow make it invalid.

Mastercard is here to make money. They don’t even make donations to charity unless it benefits them in some way. That doesn’t mean that what they are doing isn’t a positive.

I’ll leave it to those who many benefit from this move to determine whether this is just rainbow washing. However, on the face, it seems like a good thing.

J
J

As someone who’s been through the name and gender change process (in California, where I think it’s relatively easy compared to other places), I think the common thing is probably not people who don’t want to change their legal name at all. Rather, the problem is that the legal name change process is long and has a lot of (often somewhat complicated) steps, and it sucks to be forced to use the wrong name while this process is ongoing (or not even started yet, because it can feel somewhat overwhelming, or because someone has trouble paying the filing fees, etc). For example, in my case, the courts’ procedure is *relatively* straight-forward, but when I filed my paperwork the court date I got assigned was some months away; and after I had the court order, the clerks at the first DMV I went to were uninformed and a bit weird and asked for additional documentation that wasn’t actually necessary, and the clerks at the second DMV were nice and competent, but still filed things in a way that the central office didn’t like so I got a letter asking me to fill something out differently or something, and then there’s the wait for the new license / state ID to be printed and mailed (some weeks in CA)… [and there are more steps with other agencies with their own policies] To be fair, court order is probably sufficient to change the name on the credit card, but even the court order took months, and that’s after getting a letter of having received “appropriate medical treatment”, a prerequisite in CA. If I was back in that in-between place today, and Mastercard had a simple procedure to change my name on a card without waiting for the other steps to happen, I think it’s pretty likely I would jump on it and then only use those cards until the process was complete.

slowbrake
slowbrake

Thank you for posting.

Real stories build empathy, which the world is in quite need of.

Snorlax
Snorlax

Clerks at the DMV don’t even follow DMV policies, its all based on the whims of the clerk and some are on power trips.

What’s even crazier is sometimes you have to “prove” things with paperwork that are public information and easy to verify. Like I had to “prove” I owned my house with a property tax bill even though a tax bill is trivial to forge and real estate records are public information and take 30 seconds to look up. Any bozo can walk into the DMV and “prove” to them they own my house when they don’t and actual ownership is easily verifiable.

Ann
Ann

I agree the usefulness sounds limited. Maybe it will help some small number of people in a small way, in some awkward temporary situation where the rest of the paperwork hasn’t caught up, but it’s mostly a marketing ploy. Pride month is becoming a marketing commodity like breast cancer awareness month: https://www.vox.com/2018/6/25/17476850/pride-month-lgbtq-corporate-explained

Dubya
Dubya

First, ALL marketing is a ploy to appeal. Second “next to none”? I love when people try to predict what other people will do. If you can do that then use your powers for good. Like betting on horse races.

Tom G
Tom G

Not trying to be political at all—but if someone wanted to use a different name, why *wouldn’t* they legally change their name to whatever they prefer? And then the name submitted for credit applications can match perfectly.

Emporio
Emporio

My point exactly

Betelgeuse
Betelgeuse

Name change can be a lengthy and complex process depending on the state.

Emporio
Emporio

Probably not as lengthy or complex as
gender reassignment surgery

Betelgeuse
Betelgeuse

Most transgender haven’t actually get surgery to change gender (yet).

tennismenace3
tennismenace3

Non-sequitur

Tom G
Tom G

Sure, I understand that name changes can take time and money and effort…but if its really a name that they want, wouldn’t it be worth it? I’m not even talking about gender identity…If I hate the name Tom that my parents gave me, and I prefered to be called James and never to be called Tom again, then the time and money and effort to legally change it would be worthwhile.

sechs
sechs

You may be surprised how easy it is to get people to simply call you by a different name.

How do you think all of those criminals get away with living under an assumed identity? They didn’t go through the courts to change their names….

Snorlax
Snorlax

Okay… but being acknowledged as James while you’re in the process of getting it changed seems like it would be desired.

sechs
sechs

I think that you’re confusing want with actual ability.

Beside the fact that legally changing your name requires paperwork and, very likely, money, in some places it would be difficult for a person to come before a judge, explain why they want their name changed, and successfully get the change granted. It’s a daunting task.

I’ll also ask you to talk to any woman who has relatively easily changed her name after a heterosexual marriage and find out what a rigmarole it is. Particularly now, the furthur along in life you are, irrelevant the reason of a name change, the more difficult getting all the ducks in a row is

Dragonking
Dragonking

Absolutely. if you want to be really fair, why not just but no name at all on the card, like Apple’s new card did. We are now facing the situation of a group of people being bestowed special privilege under the disguise of fairness and equality.

pride
pride

Because transgender stuff is usually just a phase they eventually get over. I know it seems all legitimate and stuff when you are 20. When you are 60? Not so much. The real world has a way of helping people work through their issues, all in good time. Be well.

Dubya
Dubya

You know Google is real right? It took me 4 seconds to locate people 60 and above who identify as transgender

Frank

Why go through a lengthy and expensive process to have it legally changed for the few situations where you are forced to use a legal name? I can see CC as the major pain point as that would be a daily usage of your legal name — other things are more once per year

TomJ
TomJ

I wonder how this would have worked for Prince? “The artist formerly known as Prince” or just a symbol?

Dan
Dan

In Mastercard speak: Alias = Truename; Legal name = deadname.

doc
doc

Yeah, calling a false name “true” is clearly bogus. Obviously, unless the name is legit, than merely pretending it’s “true” doesn’t mean a hill of beans; because some clerks are still going check I.D.

Anyway, as far back as I can remember, credit card companies have allowed users to put their first initial on the card. So, since most trans people just change their name’s gender, while keeping the same initials, one would only ever need their first initial on the card, anyway.

Therefore, this type of marketing is utterly pointless.

sechs
sechs

This is the kind of attitude that would have done well in the deep South when former slaves tried to use their “true” names instead of their given slave names

doc
doc

Good thing people aren’t slaves anymore, and have the right to change their name, and even their gender. Having choices to change things means that fake names are all the more illegitimate.

If someone is willing to change their entire gender… changing their legal name is small potatoes.

Betelgeuse
Betelgeuse

I guess if the name on the ID is already changed there is no need for true name product.

Dragonking
Dragonking

So… why can’t you just change your name? I guess? Anyway, this is a really convoluted introduction for a product and makes nothing clear. If your name on the card is not your legal name, then it defeats the point of having your name on it.

Dragonking
Dragonking

and Apple’s new card has no name on it. If you want to be politically correct for absolute equality, this is the way to go. Allowing name change for a specific group of people is a special privilege, not fairness.

Dubya
Dubya

I miss the part where MC says this is only for a specific group of people. Anyone can use the feature. Amex actually already allows this and the Square Cash card (VISA) does too. There are probably some others that I’m not aware of.

Dragonking
Dragonking

Well, I’m not criticizing MC. At this stage, nobody knows how they are going to implement this confusing new feature. I merely point out the best way of doing it. Like I said, if you allow the possibility of unrestricted name changing, it defeats the point of putting a name on the card completely.

csrpeople
csrpeople

corporate virtue signaling. It makes me gag. Why do people fall for the pandering?

Jas
Jas

have you ever tried a name change? its super hard, and cost-prohibitive for many people too, in some (maybe even most) of the states

Nativeson
Nativeson

Will the cashier decline my transaction if the name on my Mastercard says “Big Dick McGee”?

Dubya
Dubya

Yes you will get declined. But that’s because you will come up short when they try to verify.

Jas
Jas

i’m trans and i’m really happy they are doing this. i just hope Citi and other banks too hop on board soon

quasimodo
quasimodo

do LGBT folk ever wonder – WHY AM I THIS WAY? Do VERY thorough research (More than just Wikipedia or the first couple pages of search pages), then change those behaviors? I mean…knowledge about sex changes / behavioral changes in nature from chemicals and certain foods and other health reason is ALL OVER the Internet. It’s just not stated explicitly as such…

Sarah D
Sarah D

You might want to get your information from psychologists and doctors rather than conservative talk radio.

Celia
Celia

The mere fact you’re asking that question shows you should be the one doing reasearch, and from more than the internet.

SamL
SamL

Awesome. Our cat “Tibbles” now has a MasterCard with the name “Fido”.

poz
poz

I am in favor of it. My true name is rare and I don’t want other people to see it on my credit cards especially if I travel to poorer countries. I’d rather use an alias.

Ann
Ann

FWIW, in my experience hardly anyone asks to see if your ID matches your credit/debit card anymore. (And this is nothing that new, either – over a decade ago, a boss loaned me his credit card to go buy him some office supplies, and nobody but me ever looked at the card in that store.) The only store I’ve been to lately that still checks for matching ID is Goodwill, lol.

Rowan
Rowan

Good point about Goodwill – it’s strange how strict they are about requiring ID for credit/debit transactions considering the relatively low value of most people’s shopping trips through there…

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