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Established Contributor
Posts: 776
Registered: ‎04-03-2014

Are you embarrassed every time you use your credit card?

When someone uses an AmEx Centurion or other luxury card, they feel good about it, the status and brand is part of the reason they use it.

 

I wonder if there are cards out there that you use that have the opposite effect. Cards that you think or feel tell the world that your credit is not so perfect, usually it's those "no name" cards no one has heard about, for example, First Premiere Bank, etc?

Credit Cards: AMEX Platinum (NPSL - approved for $100K), Citibank Prestige ($17.5K), Simmons First ($4K), IberiaBank ($14K)
Personal Lines of Credit: U.S. Bank ($5K), Wells Fargo ($11.2K), Citibank ($9K), PenFed CU ($1K), LA Financial CU ($20K)
myFICO 3B Report (as of 8/7/15): Experian: 795 (Score 8); 802 (Mortgage Score 2) Equifax: 802 (Score 8); 807 (Mortgage Score 5) Transunion: 790 (Score 8); 809 (Mortgage Score 4)
Last Hard Inquiry: December 2014
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011

Re: Are you embarrassed every time you use your credit card?

nobody ever notices the cards that I use.  Most of the time, the cashier's don't even see my cards, unless I am holding it up so they can check the signature strip, because, for merchants in the area where I live, the card readers face the customer.

 

Once in awhile, though, someone will notice my wallet, which is an acmwallet.

 

I would feel bad about using a card with no rewards, though, or one with high annual fees that my card use didn't compensate for.  But not embarrassed.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Frequent Contributor
Posts: 465
Registered: ‎10-11-2013

Re: Are you embarrassed every time you use your credit card?

I feel bad and embarrassed when I use my CreditOne Card....but that's not because of what other people might think....it's simply because I freakn hate it.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Valued Contributor
Posts: 5,462
Registered: ‎06-05-2013

Re: Are you embarrassed every time you use your credit card?

[ Edited ]

Nope.  Most cashiers (in cases where the store doesn't have a terminal where the customer swipes the card to begin with) seem like they couldn't care less and don't even notice what the card is.

Established Contributor
Posts: 627
Registered: ‎04-02-2014

Re: Are you embarrassed every time you use your credit card?


takeshi74 wrote:

Nope.  Most cashiers (in cases where the store doesn't have a terminal where the customer swipes the card to begin with) seem like they couldn't care less and don't even notice what the card is.



+1

 

And I don't feel bad about using my IT for absolutely everything, because I am getting at least 1% cash back compared to if I used my debit card. 






EX FICO (AMEX): 742 (7/11/15) | TU FICO (Discover): 741 (7/7/15) | EQ FICO (Citi): 727 (6/23/15)
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010

Re: Are you embarrassed every time you use your credit card?

 

Moving to Smorgasbored.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
Posts: 138
Registered: ‎04-22-2014

Re: Are you embarrassed every time you use your credit card?

i dont really have any emaberrasing credit cards but it does feel good when they comment on the Marriot one cus it feels different. 

Marriott Premier SV: $8,500 Amex blue sky: $24,000 BoA BBR: $3,900 BoA Cash Rewards: $9,100 Ritz Carlton: $5,000
MyFico Score:752
Established Contributor
Posts: 578
Registered: ‎12-27-2012

Re: Are you embarrassed every time you use your credit card?


DaveSignal wrote:

nobody ever notices the cards that I use.  Most of the time, the cashier's don't even see my cards, unless I am holding it up so they can check the signature strip, because, for merchants in the area where I live, the card readers face the customer.

 

Once in awhile, though, someone will notice my wallet, which is an acmwallet.

 

I would feel bad about using a card with no rewards, though, or one with high annual fees that my card use didn't compensate for.  But not embarrassed.


+1 I get way more comments on my wallet than I do my cards. I get occassional comments on my CSP, but most of the time I am holding my own card and swiping. 

Established Contributor
Posts: 505
Registered: ‎10-08-2011

Re: Are you embarrassed every time you use your credit card?

[ Edited ]

I have never been embarrassed to pay for anything using a credit card.

 

Besides, only people who frequent forums like this care enough to take note of what I use to pay for my morning coffee.

 

Well... 99 percent of the time, anyway.

      
Regular Contributor
Posts: 163
Registered: ‎04-27-2010

Re: Are you embarrassed every time you use your credit card?


Stralem Wrote:

I have never been embarrassed to pay for anything using a credit card.

 

Besides, only people who frequent forums like this care enough to take note of what I use to pay for my morning coffee.

 

Well... 99 percent of the time, anyway.


Haha, true!  I'd be more embarassed if I was consistently card snooping than consistently swiping the worst card in my wallet.  

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