I have a credit card account with three cards; each has a unique number and a unique name. The three people may be in the same room, or they may, in the extreme case, be on different continents.
The issuer insists that fraud alerts can go only to the primary person. Thus, if my wife is someplace trying to buy something, and the anti-fraud algorithm decided that her presence in, say, a music store in Jersey City is so suspicious as to trigger a rejection, the resulting text message and / or call comes to me. I might be in the bottom of a well, unavailable, so she's stuck.
Is this universal across card issuers? Do I have any other choices other than to give up on joint accounts?