Yes, I know - it does seem excessive! 4 payment (1 business plus 3 personal) 2 employment (university)-related 1 driving licence 1 medical exemption cert. 1 Waitrose 5 clubs & societies (NT, EH, camping & caravan club, etc) and a couple of miscellaneous ones. (I discovered one had expired, so I'm down to 16!) Even though I almost never take my wallet out of my pocket in normal use, each of these would on occasion cause inconvenience if I suddenly discovered I didn't have it. I wish I could just load them all onto my phone somehow! I think this looks quite nice, though: https://bellroy.com/products/card-pocket/default/navy Might give it a try.