pretty unnecessary & exclusive in my opinion. unnecessary, because 1) generally you need to carry some baseline amount of cash and a credit card. the credit c

pretty unnecessary & exclusive in my opinion. unnecessary, because 1) generally you need to carry some baseline amount of cash and a credit card. the credit card is not really a burden in the wallet. 2) "which credit card" to take is hardly a problem, you don't generally spend above the limit of your credit card in a single day 3) the iphone can get stolen just as easily as a credit card, and in such cases it is more expensive to replace than simply locking up the card and getting a new one. exclusive because, the app is just designed for the iPhone, there are many users without iPhone, android, or blackberry. they should be given the same ease of use.