That seems very sensible @Numbat. Even in case you ever get to travel again, it's helpful to have cards with a different primary card holder in case a card gets lost/stolen so you don't end up with no cards that work.We have been in the new credit card denial roundabout too. Having valuable assets, multiple businesses and a SMSF amount to nothing if you don’t owe anyone anything i.e. have no debt.
We managed to get two credit cards through our local community bank when we transferred all of our quite considerable banking balances to them.
The two credit cards, one with a large limit and one with a small limit, both have my husband as the primary card holder. If, heaven forbid, anything happens to him the credit cards will be cancelled. I am going to try and procure credit cards in my name in case of this eventuality.