What's in your bag? / Everyday carry (EDC)

How can you possibly need that many cards?

12 for me that I carry round all of the time:-

Driving License
Cycling UK membership card (has accident advice number on the back)
Leisure Centre membership card
BITE card for discount at train stations
Nectar Card
Waterstones Card
Local coffee shop card
Debit card
Other debit card
Joint Acct debit card
Mastercard
Amex

I suppose a few of those could go (CUK, BITE, Nectar) and some of the other debit cards are used rarely enough that Apple Wallet should be good enough for them.

But physical cards are needed every so often (can't use cards on mobiles on the Santander bikes for example) so I tend to carry them.