oh, yeah, they do. They often have multiple 'applications' on them, for different purposes (for example, withdrawing from an ATM with a card is a different appl

oh, yeah, they do. They often have multiple 'applications' on them, for different purposes (for example, withdrawing from an ATM with a card is a different application to making a purchase, which is different from the ill-conceved idea of using your card and PIN as a two-factor authentication token)