Credit cards often keep your mother’s maiden name in their database for security purposes. This so called “security” is based on two assumptions:
- Your mother was married.
- Your mother changed her last name to her husband’s last name.
Were these assumptions true, only your close relatives would know your mother’s maiden name. In reality, if your mother was never married, then your last name is the same as your mother’s last name. So, crooks who are trying to steal identities can try to use your last name as your mother’s presumed maiden name. Very often they will succeed. Besides, many women do not change their last names. If you have a different last name from your mother, but your mother uses her maiden name, then the bank’s security question is not very secure at all.
If you want your identity to be secure you might need to invent a maiden name for your mother. Alternatively, perhaps your parents can tell you a family secret that will help you choose a name that is related to you, but not transparent to the public.
My relative Martin took his wife’s last name after their marriage. Before his children apply for credits cards and bank accounts, he needs to explain to them that it is better for them to use his maiden name as their mother’s maiden name for banking purposes.Share: