Sachs
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This might be a reason why your bank didn’t approve your credit card.
This post might look a bit long, but u too might have faced/overcome this problem (especially you are a south Indian/have a name with initials) & it will definitely be worth a read
This might be a reason for rejection of credit card approval for you as well as “your application does not satisfy our internal bank policy/ as your records don’t match our CKYC criteria”. You might have faced problems while studying/touring abroad/immigration/securing VISA as well.
Hi my name is SACHIN H J.
H stands for HOSAHALLY, my father's place &
J stands for JAYANNA my father's name.
I am from Mysuru Karnataka, currently residing from Chandigarh
In all my documents including Aadhar card, certificates including passport, my name is SACHIN H J.
In Aadhar Card one can fill name however one wants, no specific columns for first/middle/last name. I could easily fill it up simply as SACHIN H J
In Passport there are two spaces to fill, first one for first & middle name the other space for surname. However, the system does accept single characters & initials in the space for surname. So, I filled up first name as SACHIN & surname as H J & I got my passport successfully as it matched perfectly with my Aadhar card.
In all my certificates, (Class VI, X/matriculation, XII, yearly MBBS degree, MD degree, DM degree), my voter’s ID & my driving license too my name is SACHIN H J. No discrepancies whatsoever.
However, 15 years ago my father had got me my PAN Card. There my name it is written as
First name HOSAHALLY
Middle Name JAYANNA
Last Name SACHIN.
I was naturally enraged when I found out three years back when I started filing my ITR. However, after a lot of searching I found out that if I want my name to be SACHIN H J printed(according to the horde of youtube videos I watched) this will be the order to fill up. It was irritating when I started to get calls from banks who used to address me as “Hello Mr. Hosahally”. Zerodha sends me weekly statements which start as “Mr. HOSAHLLY here is your statement…”. All of these constantly reminding me of this problematic error.
This causes AADHAR Card PAN Card mismatch.
Many bank account & credit card applications get rejected by default. Citi Bank, Bank Of Baroda, and Niyo global card companies have so far rejected my applications so far. My paytm citi card has been rejected 3 times over past 4 years. BOB I had applied three months back and I have been unable to apply again. When I wrote to their emails (that I found here on this website) they replied giving me non specific answers. However when I asked NIYO support what exactly do they mean by CKYC criteria, they did reply to my mail telling me that since their records are completely digital & based on PAN card, they were unable to onboard me as my Aadhar name did not match with Name on PAN CARD.
People from banks call me & address me as Hi Mr. HOSAHALLY which was funny initially, but now has become irritating.
For all these reasons, I am considering to expand my initials to have a last name (with/without a middle name)
I am considering 4 options
1. SACHIN HOSAHALLY
This will be a simple two-word name
But this would mean I drop my father's name from my name
2. SACHIN JAYANNA
This will be a simple two-word name
But this would mean I drop my place name
This would mean my last name will be my father's name
Is it correct to have father's name as last name/surname?
3. SACHIN HOSAHALLY JAYANNA
This would seem most natural because in all my documents (except PAN Card) my name is SACHIN H J & I would simply be expanding my name.
But this would also mean my middle name is the name of my place & My last name/surname is my father's name.
Is it correct to have father's name as surname/last name?
Is it cumbersome to have middle names? Isn’t it just simple and fine two have a two word name (like SUMANTA MANDAL, no questions asked, no problems anywhere) or is it OK to have a three word name?
What is the maximum number of characters that one can get printed on a credit card? Is middle name printed on credit cards?
4. SACHIN JAYANNA HOSAHALLY
This would mean my father's name will be my middle name and my last name/surname will be my place name.
Many of my friends suggested that this is the correct method. However, this means shuffling of initials (to J H instead of H J)and a quite drastic change wherever my name is SACHIN H J (which is literally everywhere) which will not match with SACHIN J H & I will need to get it changed in all my bank accounts & get replacement of all my credit cards and change my name in all my bank & credit card accounts. (My email id also is sachin.h.j.69@gmail.com)
Is it cumbersome to have middle names? Isn’t it just simple and fine two have a two-word name (like SUMANTA MANDAL, no questions asked, no problems anywhere) or is it OK to have a three-word name?
What is the maximum number of characters that one can get printed on a credit card? Is middle name printed on credit cards?
Please provide me the right counsel and advice.
I would love not just the legal advice but also what is the usual convention. This is because rarely I will face legal issues. But in everyday life when people and (now softwares) process my name, it should not be seen as unconventional/ raise any doubts when I submit my applications. It should sail smooth.
Thanks in advance,
SACHIN H J
This post might look a bit long, but u too might have faced/overcome this problem (especially you are a south Indian/have a name with initials) & it will definitely be worth a read
This might be a reason for rejection of credit card approval for you as well as “your application does not satisfy our internal bank policy/ as your records don’t match our CKYC criteria”. You might have faced problems while studying/touring abroad/immigration/securing VISA as well.
Hi my name is SACHIN H J.
H stands for HOSAHALLY, my father's place &
J stands for JAYANNA my father's name.
I am from Mysuru Karnataka, currently residing from Chandigarh
In all my documents including Aadhar card, certificates including passport, my name is SACHIN H J.
In Aadhar Card one can fill name however one wants, no specific columns for first/middle/last name. I could easily fill it up simply as SACHIN H J
In Passport there are two spaces to fill, first one for first & middle name the other space for surname. However, the system does accept single characters & initials in the space for surname. So, I filled up first name as SACHIN & surname as H J & I got my passport successfully as it matched perfectly with my Aadhar card.
In all my certificates, (Class VI, X/matriculation, XII, yearly MBBS degree, MD degree, DM degree), my voter’s ID & my driving license too my name is SACHIN H J. No discrepancies whatsoever.
However, 15 years ago my father had got me my PAN Card. There my name it is written as
First name HOSAHALLY
Middle Name JAYANNA
Last Name SACHIN.
I was naturally enraged when I found out three years back when I started filing my ITR. However, after a lot of searching I found out that if I want my name to be SACHIN H J printed(according to the horde of youtube videos I watched) this will be the order to fill up. It was irritating when I started to get calls from banks who used to address me as “Hello Mr. Hosahally”. Zerodha sends me weekly statements which start as “Mr. HOSAHLLY here is your statement…”. All of these constantly reminding me of this problematic error.
This causes AADHAR Card PAN Card mismatch.
Many bank account & credit card applications get rejected by default. Citi Bank, Bank Of Baroda, and Niyo global card companies have so far rejected my applications so far. My paytm citi card has been rejected 3 times over past 4 years. BOB I had applied three months back and I have been unable to apply again. When I wrote to their emails (that I found here on this website) they replied giving me non specific answers. However when I asked NIYO support what exactly do they mean by CKYC criteria, they did reply to my mail telling me that since their records are completely digital & based on PAN card, they were unable to onboard me as my Aadhar name did not match with Name on PAN CARD.
People from banks call me & address me as Hi Mr. HOSAHALLY which was funny initially, but now has become irritating.
For all these reasons, I am considering to expand my initials to have a last name (with/without a middle name)
I am considering 4 options
1. SACHIN HOSAHALLY
This will be a simple two-word name
But this would mean I drop my father's name from my name
2. SACHIN JAYANNA
This will be a simple two-word name
But this would mean I drop my place name
This would mean my last name will be my father's name
Is it correct to have father's name as last name/surname?
3. SACHIN HOSAHALLY JAYANNA
This would seem most natural because in all my documents (except PAN Card) my name is SACHIN H J & I would simply be expanding my name.
But this would also mean my middle name is the name of my place & My last name/surname is my father's name.
Is it correct to have father's name as surname/last name?
Is it cumbersome to have middle names? Isn’t it just simple and fine two have a two word name (like SUMANTA MANDAL, no questions asked, no problems anywhere) or is it OK to have a three word name?
What is the maximum number of characters that one can get printed on a credit card? Is middle name printed on credit cards?
4. SACHIN JAYANNA HOSAHALLY
This would mean my father's name will be my middle name and my last name/surname will be my place name.
Many of my friends suggested that this is the correct method. However, this means shuffling of initials (to J H instead of H J)and a quite drastic change wherever my name is SACHIN H J (which is literally everywhere) which will not match with SACHIN J H & I will need to get it changed in all my bank accounts & get replacement of all my credit cards and change my name in all my bank & credit card accounts. (My email id also is sachin.h.j.69@gmail.com)
Is it cumbersome to have middle names? Isn’t it just simple and fine two have a two-word name (like SUMANTA MANDAL, no questions asked, no problems anywhere) or is it OK to have a three-word name?
What is the maximum number of characters that one can get printed on a credit card? Is middle name printed on credit cards?
Please provide me the right counsel and advice.
I would love not just the legal advice but also what is the usual convention. This is because rarely I will face legal issues. But in everyday life when people and (now softwares) process my name, it should not be seen as unconventional/ raise any doubts when I submit my applications. It should sail smooth.
Thanks in advance,
SACHIN H J
Attachments
. Now during my little research I came to know certain things which I would like to give you as an input which you may consider
)
(. Reasons are emotional rather than logical.