[Bayart]

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.

[cnst]

So, it's Apple's job to tell me how many cards I am allowed to have? And it's okay?

[ceejayoz]

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.

[cnst]

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.

[ceejayoz]

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.

[cnst]

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.

[marcellus23]

> but it still means that you have to delete and re-verify cards all the time

None of your comments seem to show any realization that this is not a problem almost anyone faces. I do not have to delete and re-verify cards all the time — you do.