This really is something I don't get. I have a pretty busy digital and real life, and I really can't think of having more than a couple of CC (one Credit, one debt), an EC Karte and maybe a couple of cards for gym membership and (in this very moment) H&M giftcard. Even Apple Pay strikes me as a solution looking for a problem. Maybe that's a fundamental difference between the U.S. and Europe, but I really don't get the gist of all this "scrape the huge heap of card crowding your wallet" excitement.