Before level 8, i had to organize my related data into as much as 3 different items, the credit ....

Hello hjhermans,

Thanks for getting back to me. Credit Card items, as described in the 1Password item categories article, are used to fill credit card information in your browser.

I can understand the redundancy you are referring to. However, Logins item types are in place to differentiate it as a source for credentials to log into website (financial institution in this case), versus items like Credit Cards or Identities used for filling forms: Save and fill credit cards and addresses

Please let us know if this helps or if you have any other questions.