Card to use at 2nd home

bsw

Hi,

I have a main home and a second home and am having difficulty shooping on-line and having things delivered to my 2nd home. I have a smile CC and an egg money CC but neither will let me "associate" my 2nd home with their cards as I used to do a few years ago.

I assume it's all to do with reducing fraud and I'm in favour of that but it is damned inconvenient.

I had thought of having a card registered at my 2nd home but both companies refuse to do that saying that a card can only be registered to my main home.

I obviously am not the only person with 2 homes - most MP's do and they don't seem to have problems spending (our) money on their 2nd home. I wonder how they do it.

Any helpful suggestions ?

bsw
Any helpful suggestions

SiuLoong

I may be wrong but could you not just apply for a new credit card (different provider) from your second address using bills etc.. if they want confirmation of address etc.. ?

bsw

Well maybe but I don't have bills sent to the 2nd home because they could lay on the mat for ages when I'm not there especially in winter. Also I'm not on the electoral role at that address and neither my driving licence nor passport are at that address so I don't have much "evidence" that I live there.

bsw

DifferentFromTheNorm

Not sure if it's the same with Smile but there's maybe a work around with Egg.

As you've mentioned only one address can be registered on the system, the one that confirms the post code with payments etc.

So, if you do this then if using your Egg Money card online it'll be registered against your 2nd home, so this would be the post code you'd need to enter into the login details on their site.

Just phone them up and ask to change your address. You can do this online if you'd prefer, but sometimes there's a glitch and the online side of things doesn't update the system that processes the payments - this could be fixed now though.

Although Egg very very rarely send anything in the post. If you'd prefer to then you can set your main home address as a correspondence address. This is for Egg's own internal system though, it won't/can't be listed on the payment system.

Not an ideal situation but at least it would enable you to use one card at your main home, and the other at your second home.

ldn-100

I am in a similar situation, although use both homes most weeks. It has be a real pain trying to get the banks to hold two addresses for me. It should be possible to have both a "database" and "correspondence" address. Unfortunately training of staff in anything rare or complex does not happen.

The only way I have found that works is to tell one credit card company I am "moving home" and then give them my 2nd home as my new address. A health warning: When you apply for credit again after that the fact you have accounts in two places often gets flagged up and queried. Sometimes this is easily resolved, but I have a feeling in some instances applications are rejected out of hand.