I try to avoid SPOF. I carry separately 2 cards from 2 bank accounts. I use 1 for guaranty (hotels never cancel them manually which can be a problem if you ofte

I try to avoid SPOF. I carry separately 2 cards from 2 bank accounts. I use 1 for guaranty (hotels never cancel them manually which can be a problem if you often change hotels), the other is for consumption. Also, maybe you should change your bank. Mine is sending a card replacement whereever I am on the planet in a few business days.