Maortega15.

I would think your credit cards are relatively safe on your iPhone6. The credit number per se isn't on the phone. What is there is a heavily encrypted (in a special chip built for that purpose) special key that communicates with your credit card provider for a virtual one-off credit card everytime you pay. I know computer forensic specialists have an exceptionally difficult time getting data off an iPhone 5s which is not jailbroken. Could someone eventually get it from your stolen iPhone 6? I expect the answer is "yes," but you can kill the cards remotely and I don't think taking the stolen phone offline will work because I think you need to have a good connection to the cellular network. I have a hardtime imagining a mass remote breach of iPhones.

Consider the alternative? How secure is the credit card in your wallet? I don't think it is overly secure against pickpockets, strong armed robbery, or accidentally leaving the card some place.

Since you are partly from HK, I presume some of your cards are Chip & Pin (EVR), but how many stores in the United States does an EVR card work in? You can easily counterfeit the mag strip on an EVR card and use it all day long in the US.

I can tell you that I wish I had shopped at Home Depot last month with Apple Pay. My Amex Platinum may have been compromised and that is what I use for no currency transaction fees outside the US.