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Frequent Contributor
Posts: 332
Registered: ‎04-09-2013
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Re: Vanity Cards?

[ Edited ]

 

Back in the 1980s, I carried a Carte Blanche card.  It was pure white with blue script lettering and a gold border. 

It wasn't any harder to get than the AmEx card, but because it was rarely seen, it was thought by many to be very exclusive. 

It was a beautiful card, and even though there weren't many places that accepted it, it was a fun piece of bling to have in my wallet. 

I also carried the Diner's Club, which was also nice, but it had a more "corporate" look - as opposed to the Carte Blanche, which just conveyed the essence of "RICH".

 

Super Contributor
Posts: 14,013
Registered: ‎04-22-2013
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Re: Vanity Cards?


Revelate wrote:

BlueNightStar wrote:

frugalQ wrote:
Bluenightstar, I'm like you. For years I only used my debit card, and, I never envied anyone else's cards.

Unfortunately, there are groups of people who look at you a certain way when you pull out certain cards.

Yes, it's the reality. I, however, am more interested in what kind of person someone is and a CC is not really going to be a determining factor in that decision for me.


If you never notice the person in the first place...

 

I'm not above stupid tricks to catch someone's attention even for a fleeting moment Smiley Happy.


Sorry, did someone just post something?  Oh, must be my imagination.

Regular Contributor
Posts: 181
Registered: ‎07-09-2011
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Re: Vanity Cards?


Revelate wrote:

BlueNightStar wrote:

frugalQ wrote:
Bluenightstar, I'm like you. For years I only used my debit card, and, I never envied anyone else's cards.

Unfortunately, there are groups of people who look at you a certain way when you pull out certain cards.

Yes, it's the reality. I, however, am more interested in what kind of person someone is and a CC is not really going to be a determining factor in that decision for me.


If you never notice the person in the first place...

 

I'm not above stupid tricks to catch someone's attention even for a fleeting moment Smiley Happy.


I'm not the saint I'm sounding like in this thread either Smiley Wink. Sometimes you gotta do what you gotta do.

Established Contributor
Posts: 771
Registered: ‎02-11-2012
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Re: Vanity Cards?

I, too  can document the same responses by wait staff and others. Amex cards seem to elicit a big smile, different response lines, etc. Yes, it does matter. In the nicer establishments I always use my AMEX card and I tip accordingly 20 to 25 percent. I do not use my  AMEX at lower end venues, aka discount stores, fast food, etc. It degrades the intrinsic value of what you have worked so hard to achieve! I can positively attest that I have recieved tickets to "sold out events" (been able to purchase ) when they find out I have an Amex Card. It is even a bigger plus if you have used your AMEX card with them before or they have it on file. To me, the AF is well worth it.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 12/10/16 EQ 797(Fico) TU 800(Fico) EXP 777 (Fico), EQ 849 (Next Gen 8/31/16 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Super Contributor
Posts: 14,013
Registered: ‎04-22-2013
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Re: Vanity Cards?

You might well be right, but the Amex impressiveness is based on a false understanding then.   As seen here, it really isn't very hard to get an Amex charge card with somewhat decent credit, and in the US over 50% of adults have scores above 700, so many many people could in fact get them.

 

Now people don't, perhaps because they don't realize that they are in fact eligible, or they don't want to pay the fee, or they want a credit rather than charge card.

 

As discussed on multiple threads, there are many cards that are much more difficult to get than an Amex, so to worry about "degrades the intrinsic value of what you have worked so hard to achieve" by using it a cheap restaurant, well let's just say that doesn't resonate with me!

Frequent Contributor
Posts: 300
Registered: ‎07-15-2012
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Re: Vanity Cards?

I work for a Bank and once after work we all went to BWW. When it came time to pay one of our coworkers pulled out a Cap 1 card and alot of the table just laughed. Till this day that story still cra up! Just saying it was a laugh =)
Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Frequent Contributor
Posts: 421
Registered: ‎03-23-2013
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Re: Vanity Cards?

I don't have any big fancy major cards with fancy CL's but I think the Express card is very pretty, with all my favorite colors Smiley Very Happy

Valued Contributor
Posts: 1,870
Registered: ‎03-23-2012
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Re: Vanity Cards?

Bettercreditguy, that's an interesting perspective.

IMO, if an establishment is good enough for me to patronize, then it's good enough for me to use any of my credit cards. Afterall, when it's all said and done, it's my hard earned $$$ I'm spending....the credit card is just a means to and end.
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Valued Contributor
Posts: 2,039
Registered: ‎01-24-2012
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Re: Vanity Cards?

[ Edited ]

Repo-ed wrote:

I get comments anytime catches a glimpse of the 5 Amex cards in my wallet, or if I pull out the PRG or Zync.  People WANT Amex - whether they can or not, or want to admit it or not.

 

It's "status", and people want the feeling it comes with.


I'm not sure what you are basing this off of, but okay. I don't use them anymore, but when I used the Premier Rewards Gold or the Blue Cash Everyday, no one said anything. I don't know what American Express used to be, but it's pretty clear that since people who have charge offs and lates can get them, they aren't a "status" symbol. Don't forget that they even people with awful credit can carry one in the form of Bluebird.

 


IECredit wrote:
I work for a Bank and once after work we all went to BWW. When it came time to pay one of our coworkers pulled out a Cap 1 card and alot of the table just laughed. Till this day that story still cra up! Just saying it was a laugh =)

Capital One does have nice cards for people with excellent credit. People think the Zync is the holy grail but laugh at Capital One cards? I really wouldn't be able to care less if someone laughed at a card I pulled out to pay with. Do people really judge people based on the kind of credit card they have? I wouldn't want to do business or be friends with anyone that did that. Someone could use a First Premier or Credit One card and it wouldn't make me laugh or make me judge them in any way.

 

A card's looks or "status" do not sway me to apply or not when considering a card. The only thing I care about is how much cashback I will receive or how long a zero interest period on purchases it has. I do notice card's looks and think the Fidelity American Express is the ugliest card in existence, since green is not on my list of likeable colors. It has the highest basic cashback I have, so I use it anyway. Even if the green is peeling after only one  year of use.

Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
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Re: Vanity Cards?

Dh asked to be an au on my csp said its really cool.  Haha

Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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