I take a conservative attitude towards apps. For ne thing, my phone is running out of storage. For another, apps not only record your activity on that app but share your activity across other apps and other devices- so if I'm going to give up another shard of privacy I want the app to be something I find useful. I have fish around in ny purse for my credit card when I enter Costco- may as well get the Costco card out at the same time.
I've avoided downloading many store apps by using an app called Key Ring. You can take pictures of all your loyalty cards- store, airline, fitness center, airline and hotel, etc. and include pictures of the bar code on the back. It saves me from carrying around a ton of those little tags or downloading every app. It just doesn't work with businesses such as Costco or AAA where they want to see the physical card.
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