My recent experience was at the downtown properties, so maybe it's different elsewhere. But, my wife and I play on the same card and our accounts used to be linked. Meaning if she went shopping and paid with points and didn't have enough points on her account, it would come out of my points. Not anymore. With their new system, all accounts are now separate. The PIA is that I now have to show up with ID when she is done shopping to pay with my points. BTW, I absolutely despise shopping and was very happy with the old system. I didn't have to be there.