That's fantastic for Pay, but not everyone takes Pay. So during the time your card was being replaced, you could only use it with Pay, which is all well and good, but again, not everyone takes Pay. And, even though Chase quickly handled the situation, and I'm not so sure every bank would be as helpful, had you used a different card, in the interim both your Pay and the physical card are still good, so you can use it in this emergency while you wait for your replacement card -- to say nothing about if this had happened while you were traveling. Now given that you have multiple cards, this is less of a problem for you than someone who only has one card tied to Pay for everything. But I have specific cards for specific kinds of purchases, and I like being able to never have to worry about at least one of them -- Pay, and it's always there at the ready no matter what happens to the other two. My cards are all with one bank, they all have the same kinds of rewards and are very easy to manage. Indeed, there's no additional work required to do it this way, and it gives me the added benefit of knowing what's going to be affected if one of my physical cards is compromised, making organizing the recovery of that card very easy.
