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Why do you need to carry around four debit cards and a backup credit card? I'm not saying this works for everyone but my wallet contains $20, a driver's license, and a credit card.

If I'm going to be somewhere where I might need a business CC or debit card then they're temporarily added. Otherwise I store all my CC info in 1password anyway which I can access on my phone.

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I carry three: two Amex cards and a debit card. The Amexes are for different cashback situations and one of them is a Costco membership card too so I have to carry both. I would actually like to add a backup Visa or MasterCard as well since lots of places do not accept Amex.

I have the Costco Amex too, but how often are you going to Costco that you're carrying it around everyday?

I carry a debit card, a credit card, and a joint account card.

My problem is the 15 loyalty cards I'd need to carry to get my free mocha/chicken/subway/points/etc/etc, give me an amalgamation of that shit and I'll love you for ever.

One example of a mobile app solution is [1], a low-tech solution is [2].

[1]: http://www.keyringapp.com/

[2]: http://lifehacker.com/5719587/make-your-own-consolidated-loy...

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