I currently have
4 credit card accounts
3 current accounts
1 basic account
1 curve card
But in the past 4 years I have not carried a wallet with me and only have the curve card in my phone case.
Most of my transactions are paid for by my phone (google pay) and my card only comes out if the value of the transaction exceeds contactless amount or I’m using Pay@Pump for petrol.
On holiday I take my Starling card to withdraw cash and Tymit (previously used Aqua card) for all other transactions to avoid foreign fees. I could also use the Curve card for all my overseas transactions but there is a limit on fee free cash withdrawals and weekend fees for other transactions.
So of the 9 accounts only 3 cards are used regularly but I’m forced to have physical cards by 8 of the financial institutions (automatically sending me new ones when the old one expired, Cahoot was the only one that noticed I didn’t use the card and asked me to respond if I needed to replace the expiring one which I didn’t, even though I still use the account for DD and Standing Orders).
When will we be given the option to choose to have a physical card or not, as I want to reduce the plastic I use (or don’t use in this case), more institutions should have virtual cards that can be managed via App?