We have one personal CC that other person does not have access to. I don’t ask her what she spends $$ on as long as it says below certain amount. She does not ask me what I spend on and an occasional purchase along with “seasonality” of gas/electric bills keeps the purchases under the radar. At the same time, I am trying to keep my collection to the minimum (convoy S2+, BLF A6, BLF Q8).