[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?