In theory the owner should have a better relationship with their bank so they don't deal with that sort of thing.
You can add a signatory to a bank account (and I'm guessing to a credit card as well). I don't know of any services that specialize in nit-picking through the use of an authorized signer however part of said hypothetical service could be to bond / insure that the secondary signer doesn't take some sort of negative action that leaves the account/owner in bad standing.
But again you're running into the ultimate question of why isn't your bank / credit card taking care of you...maybe it's because the bank / CC just make money off of the fiduciary mishaps of the owner when they don't have 20 minutes to wait on hold.
You can add a signatory to a bank account (and I'm guessing to a credit card as well). I don't know of any services that specialize in nit-picking through the use of an authorized signer however part of said hypothetical service could be to bond / insure that the secondary signer doesn't take some sort of negative action that leaves the account/owner in bad standing.
But again you're running into the ultimate question of why isn't your bank / credit card taking care of you...maybe it's because the bank / CC just make money off of the fiduciary mishaps of the owner when they don't have 20 minutes to wait on hold.