[ngoel36]

I was so damn excited to use my Coin - the idea was brilliant. I tried to so hard to use it, but with a 30%+ failure rate, it became completely useless. Simply not worth the embarrassing "Sir, your card didn't work" or "Is this real?". And if I have to carry backups anyways, what's the point?

[BrentOzar]

I like it because it got me down from several cards (debit, credit card A, credit card B, business card, business debit card) to two (debit card, Coin). The debit card is my backup to Coin.

[ngoel36]

I formerly did the same, but it became insufficient.

There are at least 4 cards that I need working at all times: (1) Debit card, as you mentioned, to be able to withdraw cash in a pinch, (2) Chase Sapphire Preferred - card with no FX fee, (3) Corporate Amex for charges I don't want to take on personally, (4) Starwood (SPG) card to amass a non-negligible amount of points on hotel stays. And maybe a 5th on which I'm trying to spend a large amount on quickly (for example - I might be planning to put $1500 on a random card with a big signup bonus, and it might be critical for me to get points I need for an upcoming reservation)

I of course have all of these loaded into my Coin, but each has failed enough times (forcing me to use the debit) that I started carrying the others as backup. Then I found myself carrying 5 cards....plus the Coin. And if Coin is targeted to users like me (who carry multiple credit cards, optimizing for different uses)....then what's the point?