There was a case a while back on the news.. a lady had her purse stolen. Her husband got a text message from her stolen phone saying she forgot the pin number on her card.. could he send it to her. He didn't know her purse was stolen so he texted her the info, the crooks totaled out their account because they had her wallet with the card.
That wouldn't work with my dh and I.. we have separate accounts - both names on each but different account we use. He doesn't even know my pin number lol... of course I know all his stuff