Jonathan Hi Jonathan, I hope I did understand it correctly but it works like this:
Every Joint co-owner can order a card. When they do, they only can choose to put their name on that card. So, yes.. every card is personal. And strictly speaking, you still can't share them. And of course, in total there only can be three active cards for all members combined, and also there is no option to order more than these three.
So a member can ran into the situation were he cant order any cards because the three are already ordered.