Fidelity Visa updated to unique card numbers for each user

[audreyh1]

We got email notice today that we will be receiving new Fidelity Visa cards, and they are updated such that each user will have their own card number. I will retain the original number, but DH will be given a new number to use.

I appreciate this as I love having unique numbers because if one card gets compromised and needs replacing, the other card is still available. Also some online payment systems such as Paypal will not allow the same credit card number to be used on more than one account, so I'll finally be able to add the Fidelity Visa to my Paypal account. This can also simplify transit tap-to-pay/ApplePay

I had noticed a second card number when I was looking into something on the Fidelity web site a few days ago, but wasn't sure what was going on. Still, it was a big clue, and I thought this might be happening.

 

[sdtech]

Same thing with our account - new number for spouse. Quicken stopped downloading the credit card info - maybe at the same time. I can download the purchases from Fidelity's site, but miss it doing it automatically...

 

[surprising]

Same with my American Airlines AAdvantage citi card. I was worried they were doing this to separate out my purchases and my wife's to only award miles for my purchases as the AAdvantage account owner, but they haven't.

 

[audreyh1]

Another thing I wasn't aware of but the Fidelity Visa now offers up to a $100 cash back or credit for TSA PreCheck and Global Entry. Limited to once every 4 years.

 

[fosterscik]

Interesting but not applicable to us. We never share credit cards: we always open one account each to reap whatever rewards are on offer.

Our two Fidelity cards were opened when Fidelity offered us $500 bonuses (each) a couple of years ago. They have since become our go-to cards because of their benefits, so thank you Fidelity for the initial push!

 

[mrfeh]

Interesting. No email received here, nor any changes to our Fido interface. Also nothing on the Elan site.

 

[audreyh1]

Interesting. No email received here, nor any changes to our Fido interface. Also nothing on the Elan site.

Probably just a matter of time.

 

[sengsational]

Interesting. No email received here, nor any changes to our Fido interface. Also nothing on the Elan site.

Did you have an authorized user?

My wife had me as an authorized user because she carries the grocery budget and very occasionally I'll be caught buying groceries. So recently I got the authorized user card (with a different number).

But my Elan Visa only has my card issued, and no notice of any changes. So I think the new cards were mailed only for accounts with an authorized user.

 

[mrfeh]

Did you have an authorized user?

My wife had me as an authorized user because she carries the grocery budget and very occasionally I'll be caught buying groceries. So recently I got the authorized user card (with a different number).

But my Elan Visa only has my card issued, and no notice of any changes. So I think the new cards were mailed only for accounts with an authorized user.

That may be the difference. Spouse and I are joint owners.

 

[jollystomper]

It is a staged rollout. I received the notice a couple of weeks ago. Our new cards both came last week.

 

[audreyh1]

That may be the difference. Spouse and I are joint owners.

I’m the primary cardholder on the Fidelity Visa and DH is an authorized user because I signed up for the card. I don’t think CCs are ever joint, there is always a primary cardholder. (Well it’s very rare - and Fidelity Visa is not one of them). The associated brokerage accounts are joint.

ETA: I take that back. Looks like Fidelity does also allow joint owners.

 

[MarieIG]

Another thing I wasn't aware of but the Fidelity Visa now offers up to a $100 cash back or credit for TSA PreCheck and Global Entry. Limited to once every 4 years.

I will metion this to DH

We each have our own separate Fidelity credit card accounts for ease of tracking / bill paying ( although we do pay each other's bills) and in case one is compromised.

 

[Out of Steam]

We got email notice today that we will be receiving new Fidelity Visa cards, and they are updated such that each user will have their own card number. I will retain the original number, but DH will be given a new number to use.

I can't imagine how this wasn't the case before. My wife has had such a card on my American Express account for decades, and it has always had a number that is different in the last set of digits.

 

[audreyh1]

I can't imagine how this wasn't the case before. My wife has had such a card on my American Express account for decades, and it has always had a number that is different in the last set of digits.

American Express usually provides different card numbers to each user. However only some Visa and Mastercards do, most do not. It’s really up to the issuer AFAIK. I’ve had some Mastercards with different numbers, and the Costco Citi Visa provided different numbers from the start because that replaced an American Express that had different numbers for each user. Fidelity will be only the second Visa with different numbers per user for us.

 

[COcheesehead]

I got the email as well saying another card is on the way for DW, but I can already see the two numbers in our online account.

 

[audreyh1]

I got the email as well saying another card is on the way for DW, but I can already see the two numbers in our online account.

Yeah, I went to look at some transactions to download or something a couple of days ago and it asked me which card number and showed a second card number I’d never seen before. I hope Elan lets you download the combined charges like other cards do otherwise it going to be a pain with Quicken.

 

[mrfeh]

I’m the primary cardholder on the Fidelity Visa and DH is an authorized user because I signed up for the card. I don’t think CCs are ever joint, there is always a primary cardholder. (Well it’s very rare - and Fidelity Visa is not one of them). The associated brokerage accounts are joint.

ETA: I take that back. Looks like Fidelity does also allow joint owners.

Yup. We went through the process of making it joint a couple years ago.

Spouse was simply authorized for many years before that.

 

[wrigley]

Hmmmm......we just recently received two new cards and the numbers are the same.

 

[gauss]

I have CCs at Barclays and love the feature of unique numbers per user.

It makes reconciliation time in Quicken much easier when their is a bit of "accountability" as to who made which "unknown" purchase.

-gauss

 

[Aerides]

I can't imagine how this wasn't the case before. My wife has had such a card on my American Express account for decades, and it has always had a number that is different in the last set of digits.

Right? Amex has always done it this way. DH and I have always had separate CC's though. Makes total sense diff # for diff user.

 

[MichaelB]

My old Fido Visa cards expired 02/26 and I just activated the new ones a week ago. The same number for both cards.

Is this going to be like the TurboTax thing where some get it and some don’t?

I like the idea of separate numbers.

 

[COcheesehead]

I got new cards a month or two back - same numbers, but I am apparently also getting a new card for my wife- different number. So really just one more new card.

 

[Jerry1]

Nothing yet here but agree that this is a good change.

 

[frank05]

The only benefit of this is establishing your own credit history since nobody checks that your name matches what is on your card.

 

[mrfeh]

I'm hoping this is only happening for authorized users. Perfectly happy sharing a CC number with spouse, especially if having 2 complicates aggregator getting data from Elan.