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That doesn't work when someone has multiple or virtual cards. That also means if someone steals my phone they get my credit card too.

Not a great solution.

You can load multiple card identities onto the same SIM and select the one you want to use.

> That also means if someone steals my phone they get my credit card too.

Which hasn't been an issue since Chip & PIN became required, 22 years ago (at least over here).