[robk]

but from a consumer perspective who cares? you're protected either way. i prefer to carry a single card vs my phone if i'm running in the rain and want to stop for a drink. other times if i forget my wallet the phone is great, but it's totally equal as a user.

[dgoujard]

If you got an credit card number you can brutforce the CVV number (just 3 digits). Some online merchant didn't enabled 3-D secure.