15 cards???
Have you ever been a victim of F/R?
B'H no! (B'AH)
its not very difficult.
9 actual cards (personals and biz). We are each primary on some
We are each an add'l cardholder on some of them.
Some other added add'l cardholders to get the 1k spg points.
19 total
And if i was F/R- it would be a royal pain, however my stated income on all cc apps IS our actual income.