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by cnst 1712 days ago
Why not? When you physically had to carry all of them around, it was simply impractical to have 20 different cards.

If you can add all of them to a tiny device, and they all come from just a few banks that provide a unified interface to manage 10 cards at a time, and/or set them all up for auto-pay, then why wouldn't you want to make the most out of all the offers and bonuses?
1 comments
Bayart 1712 days ago
The entire system of credit card tie-ins is based on predatory debt practices. It's ingrained in US culture, but a lot of people on HN probably see it as a problem that shouldn't even have to be addressed in the first place. Facilitating the growth of the credit card ecosystem sounds like asking for trouble.
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cnst 1712 days ago
So, it's Apple's job to tell me how many cards I am allowed to have? And it's okay?
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ceejayoz 1712 days ago
You can have as many cards as you like.

There are hardware limits on how many you can put in an iPhone, just like there are limits to how many you can stuff into a wallet. Most wallets won't fit 20 cards, either.

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cnst 1712 days ago
That's the whole purpose of the digital wallet.

I fail to understand how can anyone claim that an 8-card limit in a digital wallet on a 32GB+ device is reasonable, when you can literally store more cards than that even in an average physical wallet.

And, again, Android's NFC and Google Pay have no such limits.

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ceejayoz 1712 days ago
Apple Pay cards are stored in a special piece of hardware. That the limit went from 8 to 12 in later devices implies it has fairly limited storage space.

Loyalty cards are unlimited. I have dozens of those.

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cnst 1712 days ago
It's just another over-engineered gimmick from Apple. 12 (10 to third-party at intro?) may be slightly better for an average user than 8 (7 to third-party at intro?), but it still means that you have to delete and re-verify cards all the time, which defeats the whole purpose of the extra security for the data.

In Android Pay and now rebranded as Google Pay all contactless was and is unlimited. You never have to delete any card. You only have to re-verify the cards if you switch devices. That's literally how a digital wallet is meant to be, if you ask me.

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