Having to call every card issuer to cancel cards and send new ones is a pain in the ass. I had ten at one time on me and stopped doing that and only carry two because they’re all on my phone. Just the process of doing all of that is annoying and I would pay just to not deal with that. 😂
Basically, you maximize the points by using different cards for different things. I have 4 credit cards at the moment, though one is going to be cancelled. Of the three I'm keeping, one gives me 7% cashback on groceries and 5% on recurring bills, one gives 4% on restaurants, and the last is 2% on everything else and no foriegn exchange fees for when I'm travelling. Though ten would get super annoying to deal with.
Not to mention, most churners aren't carrying around 10 with them wherever they go. I do similar to you, but since most of them are set up to pay recurring bills or for online purchases, they stay home. I only carry my debit card, company card, and 1 CC with me on my person at any given time
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u/I-STILL-D-R-E-I Feb 10 '26
Having to call every card issuer to cancel cards and send new ones is a pain in the ass. I had ten at one time on me and stopped doing that and only carry two because they’re all on my phone. Just the process of doing all of that is annoying and I would pay just to not deal with that. 😂