I have other credit/debit cards in Apple Wallet. Do I have to specify which card to use when I tap? January 15, 2020 17:46 Updated No. If you have multiple cards in your mobile wallet, such as a credit card and a Hop card, the Hop reader will automatically charge your Hop card when you tap. Related articles Do I need to download an app? Can I tap my phone without having the app or a Hop card? Why would I need a virtual Hop card? What if my battery dies? Will I still be able to ride? Would a fare inspector give me a citation? When and where do I need to tap? Why is there a $3 card fee for a virtual Hop card?