So I found a Citi FFL card that expired 2023
It has same name but different number to card expirying 2027.(this is linked card.)
If this still was/is an individual card would the credit card numbers need to be the same?
Citi was / is one of the few banks where they issue supplementary cards with an individual different card number, so you can identify who made a purchase.
For example, a wife may apply and get approved for a Citi Premier, and the card number ends with 1111. She trusts her husband enough, so she askes for a supplementary card for her husband. Citi would issue a card to the husband with a card number ending 2222.
The statement at the end of the month would be printed in this format:
Card Number 5555 5555 5555 1111
Dec 24 Myer 100
Dec 25 Easipay Payment -10
Card Number 5555 5555 5555 2222
Dec 23 Human Rights Watch Sydney Au 20
In this case, husband paid $20 to Human Rights Watch, but it is coming from wife's account, wife's credit limit, wife is the one who would be chased by Citi.
This is different from most banks in Australia, where they would just issue cards to everyone using the same card number (Bankwest is one).
I have just checked a statement from MyCard, and it would now separate the transactions in this format:
Primary Card Number: M1111
25/12/25 25/12/25 Easipay Payment $10.00 Cr
Card Number: M2222
24/12/25 23/12/25 Human Rights Watch Sydney Au $20.00 Dr
NAB is now just printing the last 4 digits of a card number, instead of Citi printing the whole 16 digits.
As the current card is different and linked could it be a supplementary card?
There is no such thing as linking, so you should not use the word 'link'. An account can have multiple cards, each card belongs to an account. Cards cannot just be linked or delinked from an account.
If I don't know what is a deck of cards doing, I would cross check the card numbers on the cards against PDF statements from Citi, or MyCard (old Citi statements are available for download from MyCard web site).
Other than ringing Mycard.... if I attempt to use Citi FFL priority pass code will it charge the fee or by not accepting code on sign up....I will know if supplementary?
Just sign up, it will tell you. Also, after logging into Priority Pass, check what it says.
For example,
Westpac allow both the primary cardholder and their +1 to go into the lounge, so when I log into my Priority Pass tied to my Westpac, I get this message:
Your membership plan includes:
2 inclusive member and accompanying guest visits in each membership year (each person uses one inclusive visit). Any additional member or guest visits will be charged directly to the payment card associated with your account at a rate of US$35 per person per visit.
Your membership refreshes DD Mmm YYYY
But when I log into my Priority Pass given to me by Citi, it shows:
Your membership plan includes:
2 inclusive member visits per membership period. Any additional member visits will be charged directly to the payment card associated with your account at a rate of US$35 per visit.
All visits for accompanying guests will be charged directly to the payment card associated with your account at a rate of US$35 per person per visit.
Your membership refreshes DD Mmm YYYY
Edit: So looked up account with card 1 and shows card 2 with same available limit... so thinking linked.
Will they get 2x Free priority pass access by adding code?
You can try. I mean, there is no cost to join Priority Pass.
If primary one dies the other will lose access to credit card?
Credit card is not the only problem. There are plenty of reports of people losing access to money and phone and internet because one of their partners die and they were too enthusiastic to tell Telstra or their bank. Telstra would disconnect the phone and internet because the account holder is dead, while banks would often freeze the bank accounts then wait for instructions from lawyers executors. This lead to the surviving partner with no phone no internet and no cash to put food on table.
So if the primary cardholder dies, don't tell the bank straight away, just stop using it, update all the direct debits, pay it off, do an orderly wind down, then just close the credit card account via internet banking without giving any reasons. Don't tell the bank that someone or anyone died.
And of course, if the wife is the owner of the credit card account and she's dead, the husband can't just keep using it for the next 20 years while pretending she's still around ......
Are we 100% certain suplimentary does not have 2x Free Priority pass access?
Yes, it's on MyCard web site, under section "
2. Priority Pass (MyCard Premier)" in the small print:
One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the MyCard Premier Credit Card
Only 1 card per visit per primary cardholder will be accepted and at point of registration
Also, spot the differences between the messages I get from Priority Pass above, the differences between my PP from Westpac and PP from Citi.
