Tengo vs Estoy

There is a reason why I don't have a card: Why can't I just translate this as "Hay una razon por que no tengo una tarjeta". Please explain why this is the correct translation. Hay una razón por la que estoy sin tarjeta:

Diana said it should be "Hay una razon por la cual no tengo tarjeta" The other one Hay una razon por la que estoy sin tarjeta means "there is a reason why I am without a card".

What Diana said strikes me as being the correct way to say it and write it (there is a whole lesson devoted to these kinds of expressions). I suspect the phrase that uses "por la que" is just the way people talk in casual conversation (but would be considered "falso" if written like this).

I would like to show-off what I learned in my other Spanish class with the senior classmates. The phrase "me llama". "Mis nietas y nietos me llaman Lola". Mis sobrinos y sobrinas me llaman "Auntie Auntie". Mi daughter-law me llama "Nanay". Mis parientes y amigos joven me llaman " Ate Au o Manang Au". Mis hijos llaman "Mom". Mis hermanos y hermanas me llaman "Manang". Mi esposo me llama Aurora.

I thought I was really doing fine until a bilingual co-worker said that instead of "llaman" it should be "dicen".

I am having trouble seeing how the verb decir would work here. We don't say, "me digo Dan." Llamar means to call, with the reflexive pronouns and the conjugations you are using it seems to make much more sense this way. But I have a lot to learn yet.

Hola amigos, I have a lot to learn as well but I think the use of "dicen" might be translated as they "say", as in the way they address you when they speak to you. Mis sobrinos me dicen tio Ricardo. Just a thought, I'm only speculating, and it would be great to hear from others about this. Saludos, Ricardo

Correcto.