The forty-thousand-dollar limit had hit its absolute ceiling because of heavy spending on the secondary cards.

“Whose names are printed on those two secondary cards?” I asked.

Sheila pressed her lips into a tight line and turned her glass display three inches to the left, blocking my view.

“I’m not allowed to show named secondary users without a formal owner audit request.”

“I’m the primary account holder,” I said.

“It’s my Social Security number on the application.”

“It is,” Sheila said.