Welcome @Rayden, I moved your short discussion about credit cards and retirees to this older relevant topic. Prior posts may be helpful or just reinforce you are not alone.
Prior to her retiring I had my partner get credit cards from 2 banks since I knew once the pay slips stopped the world of finance would change dramatically overnight. When facing the change after retirement and ‘meeting with it’ the first time, it can be too late.
If you scan prior posts there are ways, bank dependent and your/her personal situation dependent, but as you learnt, in general it does not happen, at least not easily.
Some have been discussed in prior posts and a dedicated topic
