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I think that rather than coupling/decoupling the credit card, I'd apply a gift card as needed. That way if someone happened to attempt to purchase a book at just the right time, you'd at least be limiting how much damage they can do to your bank account.
Also, I don't think you can put more than six kindles on one account, regardless of how many of them you put the same book on at the same time.
Have you discussed the situation with Amazon support? They might be able to give you the ability to put more kindles on the same account, than is normally allowed.
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