In my 8 years of marriage, there had been numerous situations where I feel awkward to explain my view on last names. But something inside me boils when they call me Mrs. Vagmi. First of all, it amuses me because Vagmi is a unique name which could be used for a woman also. So if it is a friend, I would joke saying "sorry my husband is a man and you should be calling him Mr.." First of all it is very absurd to use one person's first name to use as someone else's last name. At Tamil Nadu, (India), there is no concept of first name and last name at all. There is only one name which is the given name. So to blindly adhere to the British system, they took the first names of their husband and attached to the wife's. The first name or the only name of the father and attached it to the son or daughter. Now as per western tradition, you call people by their last name and Mr or Miss. Since this credit card callers are trained in that tradition, they will call and ask ...
Here I put in all I want to say, but not really what I could to a real person.