4 ms·

Is this really a problem? Too many credit cards make your wallet uncomfortably large? Let's get back to solving problems that matter. I can't believe we have th

by jchung 13y ago

Is this really a problem? Too many credit cards make your wallet uncomfortably large? Let's get back to solving problems that matter. I can't believe we have three companies on the front page today reducing the number of credit cards in your wallet.

mmastrac 13y ago
Actually, I might have this problem. I don't use a lot of credit, but I carry around a primary CC, a backup CC (that is never used unless the primary CC is stolen), a corporate CC, four debit cards for various accounts, and a myriad of other things. My kingdom for a solution that gets me down to one card.
- thomaspaine 13y ago
  Why do you need to carry around four debit cards and a backup credit card? I'm not saying this works for everyone but my wallet contains $20, a driver's license, and a credit card. If I'm going to be somewhere where I might need a business CC or debit card then they're temporarily added. Otherwise I store all my CC info in 1password anyway which I can access on my phone.
  - Ntrails 13y ago
    I carry a debit card, a credit card, and a joint account card. My problem is the 15 loyalty cards I'd need to carry to get my free mocha/chicken/subway/points/etc/etc, give me an amalgamation of that shit and I'll love you for ever.
    - Semaphor 13y ago
      One example of a mobile app solution is [1], a low-tech solution is [2]. [1]: http://www.keyringapp.com/ http://www.keyringapp.com/ [2]: http://lifehacker.com/5719587/make-your-own-consolidated-loyalty-card-on-your-computer http://lifehacker.com/5719587/make-your-own-consolidated-loy...
  - IgorPartola 13y ago
    I carry three: two Amex cards and a debit card. The Amexes are for different cashback situations and one of them is a Costco membership card too so I have to carry both. I would actually like to add a backup Visa or MasterCard as well since lots of places do not accept Amex.
    - thomaspaine 13y ago
      I have the Costco Amex too, but how often are you going to Costco that you're carrying it around everyday?
- chris-at 13y ago
  I don't think having a backup CC on the same card would help if your card is stolen.
  - mmastrac 13y ago
    It's a different CC account: I just don't take it out for use unless my primary one is out of commission.
dakrisht 13y ago
Couldn't agree more. 10 products launching on HN today to solve convenience issues so you can pay for your $7 croissant and decaf soy milk latte with vegan cinnamon and not be forced to carry around 4 credit cards. Good god.
mchaver 13y ago
It is not a problem I have, but from looking at the responses on HN it seems there is interest. If there is a viable solution and market demand, why not?
- deleted 13y ago
  [deleted]
fierycatnet 13y ago
One card to rule them all ;)
- angersock 13y ago
  And in the adware bind them!
nsmartt 13y ago
I'm pretty sure the others were posted in response to Coin. I'm also entirely uncomfortable with the notion that some problems are less real than others. Problems will have different levels of severity, but one problem doesn't invalidated another.
- jchung 13y ago
  This is true. And to clarify, my true gripe is with a mismatch of talent and what I believe to be problem severity. "Is this really a problem" was casual language.
andyhmltn 13y ago
This is what I thought. I have two cards (my main one isn't able to withdraw cash but the other is) and it's not a hassle with up to 4 cards if you have a decent wallet.
- tertius 13y ago
  I have more and use them to budget. For instance: One card for groceries, one for large items, one for food, one for business. Things like mint hasn't worked out for me so I do it this way, very easy at the end of the month to see where I've moved off the budget to adjust. I'd like one card and a thinner wallet.

by jchung 13y ago

mmastrac 13y ago

Actually, I might have this problem. I don't use a lot of credit, but I carry around a primary CC, a backup CC (that is never used unless the primary CC is stolen), a corporate CC, four debit cards for various accounts, and a myriad of other things. My kingdom for a solution that gets me down to one card.

thomaspaine 13y ago
Why do you need to carry around four debit cards and a backup credit card? I'm not saying this works for everyone but my wallet contains $20, a driver's license, and a credit card. If I'm going to be somewhere where I might need a business CC or debit card then they're temporarily added. Otherwise I store all my CC info in 1password anyway which I can access on my phone.
- Ntrails 13y ago
  I carry a debit card, a credit card, and a joint account card. My problem is the 15 loyalty cards I'd need to carry to get my free mocha/chicken/subway/points/etc/etc, give me an amalgamation of that shit and I'll love you for ever.
  - Semaphor 13y ago
    One example of a mobile app solution is [1], a low-tech solution is [2]. [1]: http://www.keyringapp.com/ http://www.keyringapp.com/ [2]: http://lifehacker.com/5719587/make-your-own-consolidated-loyalty-card-on-your-computer http://lifehacker.com/5719587/make-your-own-consolidated-loy...
- IgorPartola 13y ago
  I carry three: two Amex cards and a debit card. The Amexes are for different cashback situations and one of them is a Costco membership card too so I have to carry both. I would actually like to add a backup Visa or MasterCard as well since lots of places do not accept Amex.
  - thomaspaine 13y ago
    I have the Costco Amex too, but how often are you going to Costco that you're carrying it around everyday?
chris-at 13y ago
I don't think having a backup CC on the same card would help if your card is stolen.
- mmastrac 13y ago
  It's a different CC account: I just don't take it out for use unless my primary one is out of commission.

dakrisht 13y ago

Couldn't agree more. 10 products launching on HN today to solve convenience issues so you can pay for your $7 croissant and decaf soy milk latte with vegan cinnamon and not be forced to carry around 4 credit cards. Good god.

mchaver 13y ago

It is not a problem I have, but from looking at the responses on HN it seems there is interest. If there is a viable solution and market demand, why not?

deleted 13y ago
[deleted]

fierycatnet 13y ago

One card to rule them all ;)

angersock 13y ago
And in the adware bind them!

nsmartt 13y ago

I'm pretty sure the others were posted in response to Coin. I'm also entirely uncomfortable with the notion that some problems are less real than others. Problems will have different levels of severity, but one problem doesn't invalidated another.

jchung 13y ago
This is true. And to clarify, my true gripe is with a mismatch of talent and what I believe to be problem severity. "Is this really a problem" was casual language.

andyhmltn 13y ago

This is what I thought. I have two cards (my main one isn't able to withdraw cash but the other is) and it's not a hassle with up to 4 cards if you have a decent wallet.

tertius 13y ago
I have more and use them to budget. For instance: One card for groceries, one for large items, one for food, one for business. Things like mint hasn't worked out for me so I do it this way, very easy at the end of the month to see where I've moved off the budget to adjust. I'd like one card and a thinner wallet.