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Comment by danudey | Hacker News Reader

I'm curious what you need four credit cards for though. I can see maybe a personal one and a business one, but what are the others for?

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I have a Delta AmEx that I use to get miles. This card also has my biggest limit. When people don't take AmEx, I use my older Discover card. This has my second biggest limit and second best rewards.

When they don't take that, I use my Chase Visa card, which has a pretty small limit and pretty crappy rewards. I also have my first card, a Capital One Visa card, which I keep around because there's a cool picture on it.

I also have a business credit card for work, and another for my personal LLC.

And there's my debit card I use for ATMs.

And how are 4 cards a problem?

Honest question. I also have 4 cards. They don't thicken my wallet, they weigh nothing, and.. I never had a problem pulling the one I want on first try.

I mean, even in terms of 'first world problems', turning my 4 cards into 1 would never even have occurred to me.

Replacing them with a card that will one day make me say "Sorry can't pay, looks like the battery in my CC went flat" seems outright ridiculous.

This. Where is the problem here that this solves? Even if you had 8 cards (the limit of Coin), how often does selecting the correct card become a problem, enough to warrant this kind of over complicated, error prone solution?

First world problems indeed! And people claim there isn't a tech bubble, if projects like this get funding...

If I max out the monthly rewards on one card, I can start building the rewards on the next.

Some people can't manage their spending with a credit card, some people can't believe that these companies are giving away all that free shit (even money in return) just by not paying cash. Depends on how they manage their finances.

That sounds like an enormous headache. I am very glad to sacrifice 5% of my $10 000/yr grocery bill to not have that headache.

$500/yr to not have to listen to anyone telling me how I can save a few more cents? Priceless - no wait, not even priceless, only $500/yr!

Rewards are transparent. Spend some money and before you know it, you get a $100 check or gas cards or amazon credit etc. What a headache!!! I hate it when people give me money for free!

For free? Really? No, people give you money, as they are building a great big database of your consuming-behavior. Not only what you buy, but when, where, in which quantities, what goes together with what, and so on.

That is the currency, that you do pay for these "perks".

I use them for different rewards. If I'm out grocery shopping, I'd use the card that gives me 5% back on grocery purchases. Similar with flight purchases with a different card.

The AMEX, the one for places that don't take AMEX, the one with the high limit and the one for buying things in foreign currencies.

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