Of course it's a genuine question. I am calling you out. You don't know what cards they have. You have gone shopping with your relatives in 5 different countrie

Of course it's a genuine question. I am calling you out. You don't know what cards they have. You have gone shopping with your relatives in 5 different countries within the last year? You know that they haven't gotten new cards or changed their habits since you last saw them? You don't talk about credit cards that often. :) You make an assumption because of some info at some point in time and think of it as a constant fact. :) For example, I know my brother had a credit card. Does he still have it? I would have to call him and ask him. :)