Every time we go and DH sets his credit card up the clerk asks if I'll be using the same CC. DH always jokingly pretends that he's going to say "No" which is when I remind him that I know where he lives and I can sic the cats on him at midnight when he's sleeping. So, yes, everyone can have their own. And if there's someone (i.e., child) you don't want charging, you can just withhold the PIN number.