Answer
$P(two~individuals~who~have~two~credit~cards)=0.0744$
Work Step by Step
Using the General Multiplication Rule (page 289):
$P(two~individuals~who~have~two~credit~cards)=P(individual_1~has~two~credit~cards~and~individual_2~has~two~credit~cards)=P(individual_1~has~two~credit~cards)\times P(individual_2~has~two~credit~cards~|~individual_1~has~two~credit~cards)=\frac{44}{160}\times\frac{43}{159}=0.0744$
