I'm in Australia and don't carry a wallet around anymore. Apple Pay has my VISA & Amex in it. I live in Sydney and I would say 95% of merchants who accept cred

I'm in Australia and don't carry a wallet around anymore. Apple Pay has my VISA & Amex in it. I live in Sydney and I would say 95% of merchants who accept credit card have terminals which support contact-less payments. I have found this to be such a great implementation of technology. My VISA card was ripped off when buying something online (not using Apple Pay) and my bank was able to cancel that card and push a new card to my phone pretty much within minutes. My Apple Pay experience had effectively zero downtime while I waited a few days for a new CC to be mailed to me.