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So I got an invitation in the mail for THE Black Card. It doesn't say anything about me being prequalified anywhere but it says "You're invited to become a Luxury Card Member". It also has a stated APR of 15.99% foir purchases and 26.24% for cash advances. I know this card is really way above anything that I need especially since it has a $495 annual fee...but I was just cuirious if anyone could shed some light on if this is a solid offer or if it's just a generic mailer that they send out to people. It does have an application with a personal ID code on it...again I'm not sure if that actually means anything or not lol
Unless it states "preapproved" it's an offer to apply. Just in experience.
I don't know the answer to your question, but I have one for you. Why on Earth would anyone even want this card? A Credit One card can, and most likely will, give you more value.
idk the answer either but if it were me id def feel special! lol!
I do not see why this card is such a big deal...
The one person I know who has this card is a crazy old eccentric who lives in a crumbling house with broken down cars in his garage. The house sits on a hill with a water view and the cars, if restored, would probably be worth more than a million dollars. He was born into European aristocracy and he's an insufferable snob, but he lost everything including his professional licence years ago due to bad behavior. He wouldn't do anything to help himself because he considered it beneath him so now he doesn't have the money for upkeep. He hangs onto this card desperately because it proves to the people at the grocery store that he's a somebody.
That's the sort of person this card is for.
Okay everyone, I guess if your a nobody but want everybody to think your a somebody then this is the card for you.
You gave a foolish analogy.
@Anonymous wrote:
You gave a foolish analogy.
Assuming you're talking to me, it wasn't an analogy, it was an example. If it's a foolish one it's because the man I wrote about is a fool. What I wrote was accurate.
The card in question costs $495 a year and has benefits more crappy than some no fee cards. What value does it have other than giving the holder a sense of status?