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It started with my keychain. I put my gym membership card on it, followed by my grocery store discount cards, followed by … well, now I have what resembles janitor’s keys: 15 loyalty/discount cards dangling from my keychain. Of course, now there’s an app for that, which manages all the various loyalty programs, but that means I have to have a SmartPhone. So I think what Swipely has done is genius. Link the loyalty programs and discounts to a credit card and let the points and rewards....