Thanks for the reassuring words guys!
@ Task_1539, I already sent out my application. My wife doesnt even have her own debit card under my account. She's just an authorized user in case she ever needs access to my bank account.
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Initial Approval: 9/14/12
Renewed: 9/2/14; 8/20/16; 4/6/18; 2/21/20; 2/20/22
Latest Renewal: 10/31/23