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by djrogers 4294 days ago
1) Hasn't been my experience, and when it does break a) I can get it replaced in hours not days, and b) I still have my card as a backup

2) that's not allowed by your existing cardholder agreements anyway, but if you need to do so, just give your friend your actual card

3) Demonstrably false - my CC has been replaced by my bank multiple times due to large data breaches, but my iPhone has never been stolen

4) you don't - you use Find My iPhone to disable it and your original card still works because your phone has been using tokens and one-time crypto for transactions.