I have more than 8 cards, but wasn’t aware this limit was even a thing because there’s no reason for some of them to be added to Apple Pay or carried around. Like the Amazon prime card, which exists only to be used on Amazon or various rotating category cards, of which typically only one or two of are useful at any given time and are used almost exclusively online.

Not to say there’s no legitimate use case for 8+ cards in Apple Pay, but I’m having a hard time envisioning it.