<prompt> Human: whenever Im working and tell a customer that we dont take American Express, I notice that they often have 3-5 different cards and never really understood why.  <response>: Sounds like youre talking about credit cards, not bank accounts. People get multiple cards because they have different features or rewards they want to maximize. For example they might have an Amazon card that gives them 5 off at Amazon, a travel rewards cards they use for trips and maybe a straight cash back card for everything else. Some people may also have corporate cards or store cards for various purposes. Some people might have old cards that they no longer use but they still keep for credit score purposes or emergencies. Some people churn cards, basically opening up new cards regularly to get signup bonuses and may have a lot of cards open at once. 