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Comment by ryandrake | Hacker News Reader

I’m with OP and, no, I never use my phone to pay for things. It just seems like a gimmick that I don’t feel the need to bother with. I carry my wallet more often than I carry my phone, so it makes sense for me.

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How many times in your life have you forgotten a credit card at a restaurant? For me it is one time. For my father it was three.

Not a high frequency problem, but a chore all the same.

If I left a card at a restaurant, I would block that card and have the issuer send a new one to my home address. It would really not be a chore at all

Ok, repeat that but in a foreign country.

I would have to use a credit card that earns slightly worse points for the rest of the trip?

I've had my bank overnight a credit card to my hotel overseas before. Not an issue at all, simple to cancel with a toggle in the app or website. Also had them send a new debit card once because I grabbed an expired card without paying attention and couldn't get cash from an ATM once I got to the overseas location. I get foreign cash from my bank before leaving now. For countries that allow it.

You’re welcome to think otherwise but I think that’s pretty annoying

It happens to me maybe once every 5-10 years, whereas I open and close various credit card accounts several times a year. So for me it would be far more irritating to have to add and remove cards from my phone's virtual wallet several times a year than to potentially have to order a replacement card once every few years. Most phone wallets also don't give an option to provide a nickname for cards, which is extremely irritating if you have multiple cards from the same issuers, whereas with physical cards it takes a couple of seconds to add/remove cards from my wallet, or to make a note on a card with a sharpie.

> I open and close various credit card accounts several times a year

Crazy to me but ok

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