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Citi cards which have different numbers. I couldn’t believe that we couldn’t get online for his account.

Having different numbers isn't what matters - it's having completely different accounts. You said earlier I'm the primary on the Citi card we couldn't get into DH's account - which means that either DH's account was an authorized user account, or it was a joint account. In either case - there was a lost card tied to the account, which means that the entire account had the potential for fraudulent charges, so Citi locked the entire account down.

I don’t remember having that issue with the American Express card.

Are your American Express accounts tied together somehow? Or are they each your individual account?

Please note - another time that entire accounts can be shut down completely is when one spouse dies. If all accounts are joint, or the surviving spouse is only an authorized user on the accounts, the surviving spouse may not be able to use the credit card accounts. This is why each spouse should have their own individual accounts.

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