There are too many cards

• Credit Karma shows 116 credit cards to choose from
  • There are 13 criteria to compare rewards credit cards with
  • Consumers postpone decision-making with 10 or more decisions
• 72% of Americans own a credit card
  • Only 36% of them use credit cards for everyday purchases
  • 88% use their credit card less than 3 times per month
• 69% of reward credit card holders are underutilizing their rewards