i dont use my phone like that
i have a few banking/credit union apps so i can check my balances/move funds
i have the paypal app
i have har.com app to search for homes
i have matrix.itasoftware.com app to search for flights

that's it

im behind the times dude
anything asking me for credit card info i decline and dont use
i cant even send my wife pics in Google Hangouts no more cause i dont feel like creating a google+ acct for that
so i just send pics MMS and we chat in hangouts all day

too many fuckin accts, man