When Covid hit I stopped carrying a bag or wallet with me to less touch things when I was outside. It morphed into carrying a plastic bag of cards. Turns out I don't seem to carry a lot of stuff with me. So I looked for a card holder with RFID protection and a money clip - that's it. Overall, it's pretty easy and hard to screw up. The only downside for me is that it's quite difficult to plug and unplug them when there are 6 cards in them. With 8 cards it was definitely something. I don't want to fight in the grocery line. I can't imagine 12 cards. I ended up finding it too difficult to insert and remove the cards, so I bought something else.
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