Not living in north america, there's something i must be missing - who looks at the name on a credit card? who even touches your credit card anymore? in europe and uk you're either contactless or you're given the terminal to enter your card yourself, and I'm 99% certain the "name" that is written on the card never comes up on screen
I've sent my daughter in to buy stuff with my card, and I have a male first name. With contactless or chip and pin no issues at all.
In reality way too many people will use it as a weapon when they suspect the cardholder may be transgendered.
Source: it happened to me when I first started transitioning.