Card at different billing address

msallen

faddy wrote: »

I suspect that the OP wants cards at both addresses so that he has no problems getting deliveries to either address. As I mentioned above a Curve card for the weekday address would get around the CRA issue as Curve don't report to CRAs.

Yes but transactions on a Curve card will appear on the statement of the underlying card back at his home address, thus negating his efforts to hide that spend from the missus

faddy

msallen wrote: »

Yes but transactions on a Curve card will appear on the statement of the underlying card back at his home address, thus negating his efforts to hide that spend from the missus

There is that.

faddy

DesG wrote: »

Ask the CC company if they will add your weekday address onto your account for deliveries.

Does any CC issuer offer this? I would have expected Visa and Mastercard address verification systems to only be able to handle a single address.

eco_warrior

I've never had issues with the billing / delivery address needing to be the same


Its the merchants discretion not the banks, in any case.

chattychappy

faddy wrote: »

Does any CC issuer offer this? I would have expected Visa and Mastercard address verification systems to only be able to handle a single address.

Years ago somebody told me that only Amex could do this to the extent where a merchant could verify against it. Other CCs can only put notes on the system which are ignored by automated systems.

eco_warrior wrote: »

I've never had issues with the billing / delivery address needing to be the same


Its the merchants discretion not the banks, in any case.

Frankly I don't think merchants can easily check. Don't think I've ever had a decline because of address issues. Merchants might say "billing address must be delivery address", but not sure what they can do to verify. For many years I had a mastercard and had forgotten it was billed to my home address. Always had stuff delivered to my office (saying it was my billing address) without a hitch.

faddy

chattychappy wrote: »

Years ago somebody told me that only Amex could do this to the extent where a merchant could verify against it. Other CCs can only put notes on the system which are ignored by automated systems.



Frankly I don't think merchants can easily check. Don't think I've ever had a decline because of address issues. Merchants might say "billing address must be delivery address", but not sure what they can do to verify. For many years I had a mastercard and had forgotten it was billed to my home address. Always had stuff delivered to my office (saying it was my billing address) without a hitch.

It appears that Amex, but not Visa or Mastercard, offers name verification in addition to address verification. https://en.wikipedia.org/wiki/Address_Verification_System