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Also, my husband and I have some shared credit cards but also individual credit cards. When traveling we carry different credit cards. If something goes wrong, the other person would still have valid credit cards.

Things go unpredictably wrong with credit cards. I've had a card frozen because I used it at an unusual time of day at a store where I frequently shop. Even though we reported the city where my husband would be traveling, the bank froze the credit card. Fortunately, the text message came to me and I was able to unlock the card before he realized it was locked. He didn't have cell service.
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