I'm gonna guess we will still refer to them as credit cards - whether they are virtual or tangible. I still get a "paycheck" every week although I have had direct deposit for 20+ years.
Think about it. None of you have actual cash in the bank. All we have had for 30-40 years has been digitized. Now, you can go to the bank and they will reduce some of the electronic bits and bytes they have on their servers and hand you paper money for it - but how many of us do that?
I pay all my bills online. All that amounts to is a transfer of electronic information between my bank and the biller's bank.
I look for us to eventually do everything biometrically. I can already do that in the TSA lines and boy is it convenient. Won't matter if you forget your phone - chances are you won't ever forget to take your fingerprints/eyes/etc with you.
There are some elderly folks out there who still have flip phones
Early adopters then! Some of my wife's relatives don't have mobile phones at all: what's wrong with a good home phone? They don't want people to be able to contact them "all the time"....
yep, I know people younger than me (30s) who don't have cell phones at all.
My solution is not answering my cell phone unless I (or my phone) recognize the callers number.
I'd use my smartwatch for payment before I'd use my phone. For now I'm sticking with cards and I suspect they will still be in use 10 years from now.