Have you ever wondered why you need to fill out the name on a card when shopping online or what it means? Here is everything you need to know about the name on card.
When you are ready to check out, the online vendor will ask you to enter your credit card information and generally they will ask you to fill out the name on card, or as sometimes called, the card holder name.
Name on card or card holder name refers to the name written on the card, usually in a format of first name, middle initial and last name. What you have to do is fill out the name exactly as it appears on the card you are using. This means that even if you had a name change, for instance, maiden name to married name, or you like to go by a nickname, you must make sure to fill in the name on card exactly as it appears on the card.
What should I fill in as the name on card if I am purchasing something for someone else?
If you are using someone else’s card to pay for the purchase, or a company card, write that person’s name or the company name as it appears on the card
What happens if I write a name differently from what appears on the card?
In most cases your payment will not go through. Some sites will have an invalid name message pop up, while others will simply not process your order.
Does the middle name matter?
Most cards have the middle name written as an initial. If you didn’t fill out the middle initial but you did write the right first and last name it will generally go through, however if you spell out the middle initial it could be a problem. Best is to write the middle name exactly as it appears on the card. If it appears as an initial then don’t spell it out and vice versa, as it can cause the payment to be rejected
Why is the cardholder’s name needed?
The name on card is another layer of security that online vendors use to prevent fraud and credit card theft. If, for instance, someone got hold of your credit card numbers they still will not be able to use it if they don’t have the name.
Common mistakes and how to avoid them:
The most common mistakes that people make when filling out the name on card is:
- Misspelling the name.
- Writing only one name, first or last.
- Writing their married name that doesn’t appear on the card.
- Filling in their own name when using their spouse’s or a company card.
So, just keep your head on your shoulders and remember that it doesn’t matter who you’re purchasing for, where you’re shipping to, or whose card you’re using. Always fill in the name on card exactly the way it appears on the credit card you’re using.
Enjoy your purchase!
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