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I don't think you're meant to have 20+ credit cards though? I'm struggling to think of anyone I know with 6+ active cards they use for payment. I'd hazard most

• cnst 5y ago
  That's the whole point — I can add the ones I rarely use to Android Pay still. For example, I have 11 Chase credit cards, and all of them are in Google Pay on Android. I almost never use the hotel ones; they simply provide other benefits for the annual fee, like the free hotel night for each annual fee renewal. But sometimes they do run bonus spend promotions, that's where once every year I can simply use those cards through Android/Google Pay on Android without having to worry about finding the physical card that I only use once a year.
  • marcellus23 5y ago
    I think what you're missing is that people, in general, don't do that kind of point chasing.
    • cnst 5y ago
      But the average is already what the limit on iPhone is. This means anyone even slightly above average is already out. Imagine if you weren't allowed to wear tall jeans just because you're above average. That's what Apple does on the technology front.