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But do you really need to add all of those 20 cards to your digital wallet? Just carry the cards with you if you care so much about min-maxing the credit score

But do you really need to add all of those 20 cards to your digital wallet? Just carry the cards with you if you care so much about min-maxing the credit score game.

lapetitejort 5y ago
If you're actively using you cards (churning [0]) then yes. The point of tap to pay is to prevent carrying all the cards, thus lightening your daily carry. [0]: https://www.experian.com/blogs/ask-experian/what-is-credit-card-churning/ https://www.experian.com/blogs/ask-experian/what-is-credit-c...
- FireBeyond 5y ago
  So Apple and other manufacturers should optimize - and components should cost more - for the use case of _churning_, versus more everyday use? People carrying all those cards to churn or min-max their rewards are already paying with the inconvenience of managing all those accounts.
  - cnst 5y ago
    What inconvenience? All the Chase credits cards show up under a single login; you can pretty much simply login once a month a pay all 9 or 11 of them at once. Or setup auto-pay. Or change the due-date to be the exact same date for all of them, so you only have to login and pay exactly once a month. I have all 11 of Chase credit cards in Google Pay. If I switch phones, they're already available for verification on the new phone, you don't have to type the whole number anymore. I keep all but 3 to 5 credit cards in a sock drawer; but I can still use any one of them 20 at any time thanks to Google Pay. When I need to use any one of my 20 cards to make a purchase, simply scroll through and select, based on picture and/or description. If vendor doesn't accept contactless, simply use one of the 5 physical cards I do carry. The only inconvenience is that it doesn't work on iPhone, and that's one of the reasons I don't use iPhone as a primary phone, because so many things don't work there.
cnst 5y ago
Why would anyone want to carry 20 cards? Why wouldn't you want to add all the cards you have to your wallet? Because your $699 iPhone doesn't support the feature?

But do you really need to add all of those 20 cards to your digital wallet? Just carry the cards with you if you care so much about min-maxing the credit score game.

lapetitejort 5y ago

If you're actively using you cards (churning [0]) then yes. The point of tap to pay is to prevent carrying all the cards, thus lightening your daily carry. [0]: https://www.experian.com/blogs/ask-experian/what-is-credit-card-churning/ https://www.experian.com/blogs/ask-experian/what-is-credit-c...

FireBeyond 5y ago
So Apple and other manufacturers should optimize - and components should cost more - for the use case of _churning_, versus more everyday use? People carrying all those cards to churn or min-max their rewards are already paying with the inconvenience of managing all those accounts.
- cnst 5y ago
  What inconvenience? All the Chase credits cards show up under a single login; you can pretty much simply login once a month a pay all 9 or 11 of them at once. Or setup auto-pay. Or change the due-date to be the exact same date for all of them, so you only have to login and pay exactly once a month. I have all 11 of Chase credit cards in Google Pay. If I switch phones, they're already available for verification on the new phone, you don't have to type the whole number anymore. I keep all but 3 to 5 credit cards in a sock drawer; but I can still use any one of them 20 at any time thanks to Google Pay. When I need to use any one of my 20 cards to make a purchase, simply scroll through and select, based on picture and/or description. If vendor doesn't accept contactless, simply use one of the 5 physical cards I do carry. The only inconvenience is that it doesn't work on iPhone, and that's one of the reasons I don't use iPhone as a primary phone, because so many things don't work there.

cnst 5y ago

Why would anyone want to carry 20 cards? Why wouldn't you want to add all the cards you have to your wallet? Because your $699 iPhone doesn't support the feature?