> For example, if you're paying with card, have at least one extra as backup payment method (which most providers allow and recommend).
Please don't generalize. There are many countries where credit cards aren't common, and applying for just one (and getting it approved) can already involve a lot of work and take lots of time. Such as: the bank and the national credit authority needing to do a thorough credit check, you having to supply proof of identity and stable income, the bank having to register your new line of credit with the national credit authority, etcetera. Applying for multiple CC's, if at all possoble, only adds more trouble: your registered total amount of credit will rise (even if you haven't used any of it yet) which can limit your options for any other loans like a mortgage, a car loan, a subscription, and so on.
That's true - it's a rather privileged view to assume that everyone all over the world enjoys the same facilities, I know that. If you are somewhere where you can't have services people from rich countries consider basic, like credit cards, then you are left out. That sucks. Hopefully the more decentralized internet being built these days will be a solution.
> For example, if you're paying with card, have at least one extra as backup payment method (which most providers allow and recommend).
Please don't generalize. There are many countries where credit cards aren't common, and applying for just one (and getting it approved) can already involve a lot of work and take lots of time. Such as: the bank and the national credit authority needing to do a thorough credit check, you having to supply proof of identity and stable income, the bank having to register your new line of credit with the national credit authority, etcetera. Applying for multiple CC's, if at all possoble, only adds more trouble: your registered total amount of credit will rise (even if you haven't used any of it yet) which can limit your options for any other loans like a mortgage, a car loan, a subscription, and so on.