why even bother thats the point. With a regular credit card, you'll have to request a new card and number, wait for it in the mail, and now change all your accounts that are associated with it. With my phone, remotely wipe my sd card / lock out my phone. Track it down, and restore. Much easier. I have missplaced my credit card before, and the loss of my phone is more noticeable and quicker in general than my credit card that I didn't realize was missing till the next time I went to use it.