No, it's tolerable. What befuddles me, though, is the fact that I've never had a heart attack. The bypass was to fix a couple arteries that I suppose would have eventually led to one.
I carry one card, but never use it as a credit card, per se. Whatever amount I put on it generates a direct debit against my checking account, just like writing a check or paying cash, except I don't have to carry either of them around. It's unusual for me to have more than $10 on me at any one time, unless I'm on the road.