<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>thereddaikon</author><text>Says who? I have great with only one credit card. The key to good credit isn&amp;#x27;t some esoteric process to game the system. Its having a good and long credit history.</text><parent_chain><item><author>cnst</author><text>You are aware that 20+ is actually the magical number of accounts that you&amp;#x27;re supposed to have in your credit file to have the best credit score?&lt;p&gt;This is not even about credit cards. Debit counts, too. Say you have two bank accounts, an HSA account, one premium card, one business credit card, one everyday card, one…  Oops, out of slots already!&lt;p&gt;It sounds like you&amp;#x27;re really happy with Apple products, and will simply change your life around them, instead of demanding something better. 6+ cards is probably already the average for many people.</text></item><item><author>marcellus23</author><text>I&amp;#x27;m gonna drop this HN comment into the bin of &amp;quot;I have an extremely unusual need, but am totally obvlious about it, so this product is objectively bad for not catering to it&amp;quot;&lt;p&gt;Normal people do not have 20 credit cards. Even people I know who have several cards, often only have a couple they actually use on a daily basis. This is not a real problem.</text></item><item><author>cnst</author><text>That&amp;#x27;s some good news, hopefully a change will follow.&lt;p&gt;Note that Apple Pay also has a very low limit on the number of cards that you can add, presumably because each card occupies an actual hardware slot. In the original iPhone SE, that&amp;#x27;s only 8 cards, and Apple Cash (the debit card) gets counted as one of those (unless you&amp;#x27;re remove it manually), then if you have Apple Card (the credit card), presumably it takes another slot, so you&amp;#x27;re only left with just 6 slots for any other contactless credit or debit card.&lt;p&gt;How&amp;#x27;s such a low limit good for the consumer? If you only have 6 cards in total, might as well simply carry all of them in your wallet anyways; I do that already.&lt;p&gt;Android Pay and Google Pay don&amp;#x27;t have such tiny, restrictive and anticompetitive limits. I have like 20 different credit cards as contactless in Google Pay without any issues, which is very convenient if you care about bonus categories; same was for Android Pay before it got rebranded as Google Pay.&lt;p&gt;Plus, in Android, you can even select a third party app to be used for contactless in the &amp;quot;Default apps&amp;quot; — &amp;quot;Tap &amp;amp; pay&amp;quot; settings instead of Google Pay; I know Wells Fargo used to have contactless support in their own app at one point, for example, and was selectable there.</text></item></parent_chain></comment><story><title>Apple to face EU antitrust charge over NFC chip</title><url>https://www.reuters.com/technology/exclusive-eu-antitrust-regulators-charge-apple-over-its-nfc-chip-tech-sources-2021-10-06/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>airstrike</author><text>But do you really need to add all of those 20 cards to your digital wallet? Just carry the cards with you if you care so much about min-maxing the credit score game.</text><parent_chain><item><author>cnst</author><text>You are aware that 20+ is actually the magical number of accounts that you&amp;#x27;re supposed to have in your credit file to have the best credit score?&lt;p&gt;This is not even about credit cards. Debit counts, too. Say you have two bank accounts, an HSA account, one premium card, one business credit card, one everyday card, one…  Oops, out of slots already!&lt;p&gt;It sounds like you&amp;#x27;re really happy with Apple products, and will simply change your life around them, instead of demanding something better. 6+ cards is probably already the average for many people.</text></item><item><author>marcellus23</author><text>I&amp;#x27;m gonna drop this HN comment into the bin of &amp;quot;I have an extremely unusual need, but am totally obvlious about it, so this product is objectively bad for not catering to it&amp;quot;&lt;p&gt;Normal people do not have 20 credit cards. Even people I know who have several cards, often only have a couple they actually use on a daily basis. This is not a real problem.</text></item><item><author>cnst</author><text>That&amp;#x27;s some good news, hopefully a change will follow.&lt;p&gt;Note that Apple Pay also has a very low limit on the number of cards that you can add, presumably because each card occupies an actual hardware slot. In the original iPhone SE, that&amp;#x27;s only 8 cards, and Apple Cash (the debit card) gets counted as one of those (unless you&amp;#x27;re remove it manually), then if you have Apple Card (the credit card), presumably it takes another slot, so you&amp;#x27;re only left with just 6 slots for any other contactless credit or debit card.&lt;p&gt;How&amp;#x27;s such a low limit good for the consumer? If you only have 6 cards in total, might as well simply carry all of them in your wallet anyways; I do that already.&lt;p&gt;Android Pay and Google Pay don&amp;#x27;t have such tiny, restrictive and anticompetitive limits. I have like 20 different credit cards as contactless in Google Pay without any issues, which is very convenient if you care about bonus categories; same was for Android Pay before it got rebranded as Google Pay.&lt;p&gt;Plus, in Android, you can even select a third party app to be used for contactless in the &amp;quot;Default apps&amp;quot; — &amp;quot;Tap &amp;amp; pay&amp;quot; settings instead of Google Pay; I know Wells Fargo used to have contactless support in their own app at one point, for example, and was selectable there.</text></item></parent_chain></comment><story><title>Apple to face EU antitrust charge over NFC chip</title><url>https://www.reuters.com/technology/exclusive-eu-antitrust-regulators-charge-apple-over-its-nfc-chip-tech-sources-2021-10-06/</url></story>