The more the merrier. Then again, too many cooks spoil the broth. If you like to save money or get other perks from the organizations with which you do business, perhaps you're more than happy to sign up for a broad array of loyalty programs. Indeed, according to a recent Colloquy study, 3.3 billion Americans are now members of loyalty programs. But at some point, loading down your wallet with a collection of different loyalty cards - and/or your smartphone with an array of loyalty-related mobile apps - can become a messy and unmanageable situation.
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