Is it possible to have two of the same credit cards?

Having Two Identical Credit Cards: A Deeper Look

The common perception is that you can’t have two identical credit cards from the same issuer. While this is often true in a straightforward application sense, the reality is more nuanced. Many major credit card companies do allow consumers to effectively hold two cards with the same benefits and details. However, the route to obtaining a second identical card isn’t a simple application; it usually involves a product change.

This process, unfortunately, isn’t standardized across all issuers. Each company has its own internal policies regarding such changes. What this means is that a consumer seeking a duplicate card with the same perks, interest rates, and credit limit might find they need to contact their card issuer directly to initiate the product change. This might involve a phone call, an online portal request, or potentially a visit to a branch, depending on the issuer. Such interactions are often necessary for updating the account to include a second card in the name.

Importantly, the “second card” in this context often isn’t a truly duplicated card in the traditional sense. It isn’t a physical duplicate. Instead, it’s a variation of the existing account that grants the consumer access to the same benefits and features under a separate card number. This can provide advantages, like separating spending for specific purposes, or, in some cases, boosting a consumer’s credit limit.

While the prospect of owning two identical credit cards might seem simple, it frequently necessitates a more involved process than a straightforward application. Consumers should contact their credit card provider directly to understand the specific procedure, clarifying any associated fees or implications before proceeding. This allows a clear understanding of how such a change affects account usage and potential credit reporting. The variation in policy is one key difference to keep in mind when seeking a second ‘identical’ card.