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Comment by hrehhf | Hacker News Reader

But it is that simple. In my case, I got a card for a family member. But there is no verification done so you can literally get a card with any name on it. It is still tied to your identity through the bank.

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But they may not like it when you have 73 active cards/names - so making this a mandatory thing would affect banks' processes. Also even if you're being literal and can do it in 17 seconds (i.e. after opening a new tab, 30 seconds from now you can have a card in the name of Mary Smith on its way to you) I and I think most people using online banking don't have it so smooth.

I timed it and it took about 25 seconds to go from the Chase login prompt to the "Add authorized user" page where you can get another credit card added to an existing account. So, I admit its not quite as fast as you would like. There is a caveat if you pay an annual fee: you pay the fee for each card. My accounts have no annual fee.

I also checked US Bank and American Express and you are correct, the process is not smooth at all. US Bank wants me to print, sign, and mail it! American Express wants to verify identity of the additional user using an SSN. That makes no sense of course, because they might not even have an SSN and the main account holder is still contractually obliged to pay the account balance.

I was very impressed with your report of Chase's behavior (and while 25 seconds might be an inconvenience of course it's acceptable.) It sounds like a gold standard. Of course, it's not practical to do that 72 times (for example every time you want to order a dildo from Amazon), due to the wait to get the card (it's not instant), but practically today people could use Chase fine to make companies not follow them. Do you think you can choose a name such as Donttrackme McSpammer? I realize this is pretty much the opposite of the term "John Smith" as for example the Uber driver would see that you went out of your way to call yourseld Donttrackme (there is zero chance it's an actual first name) but the adcantage is that it would not appear fraudulent.

Since you don't have an annual fee, can you order a card in the name of Donttrackme McSpammer (or any other similar name that couldn't be mistaken for a real name) and see if you get it?

Thanks for having taken the time to check the other two sites as well. I appreciate it!

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