From Fallen London Wiki (Staging)
when hovering over the card, it says it unlocks when your "Addressed as: " is "Citizen" (<a rel="nofollow" class="external free" href="https://imgur.com/a/1d6sGfJ">https://imgur.com/a/1d6sGfJ</a>) which is extremely doubtful
earlier when chaming my way into the soft-hearted widow's lodgings, she addressed me as "gentleperson", which doesn't seem to fit any of the spoken variants of any titles
I'm assuming there's some sort of default set of titles (gentleman, gentlewoman, gentleperson?) specifically for players without a title yet, and it's displayed as "Addressed as: Citizen" in the card unlock blurb for some reason
but I have absolutely no idea how to confirm this. so for now I've copied the card unlock blurb verbatim