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Do you guys usually keep a few backup cards for your ad accounts? I've had a couple of cases where a card suddenly stopped working, so I'm wondering if it's better to always have a backup option.

I've tried a couple of different options for online payments, and reliability has been the biggest issue for me. Some cards work fine for a while and then suddenly get declined. For me, the important part is being able to fund the card easily and having a backup option if it stops working.