DH and I have a joint credit card. He is the main cardholder so they won't engage with me although I'm sure they'd come after me if the bills didn't get paid. I realise it could be the other way round but it isn't. I phoned them to request they revert to paper statements and said I'd do the preliminary bit and then hand the phone to him.
"Full name and date of birth?", easy, I know this
"Mother's maiden name?" As above
"Am I speaking to Barry X?" The divilment got into me so I said "yes, I am Barry X" in my very female voice.
We completed a straightforward, helpful phone call. I thought, they can't really suggest that I'm not him any more however I sound heh heh. I was tempted to request they change my/his account to F but thought I can just carry on saying I'm him from now on.
Maybe they just have to prove they asked the question