topic Re: WEMC and VS in Credit Cards

WEMC and VS

Anonymous — Wed, 17 Feb 2016 00:14:34 GMT

i see so many people get upset if they don't get the "upgraded" version or they get crazy excited when they do get one but i don't understand why. granted, i know the benefits they have (you get them in your welcome letters and can easily look them up. the benefits can be nice if used) but the people that worry the MOST about it are the ones that'll never use them for what they're for.

what's they hype? if you don't use it (or already have a WEMC or VS) then why worry if you don't have multiple? i am just curious

Re: WEMC and VS

FinStar — Wed, 17 Feb 2016 00:29:51 GMT

@Anonymous wrote:
i see so many people get upset if they don't get the "upgraded" version or they get crazy excited when they do get one but i don't understand why. granted, i know the benefits they have (you get them in your welcome letters and can easily look them up. the benefits can be nice if used) but the people that worry the MOST about it are the ones that'll never use them for what they're for.

what's they hype? if you don't use it (or already have a WEMC or VS) then why worry if you don't have multiple? i am just curious

IMO, I believe it's more of a psychological association given the aesthetics (i.e. marketing) and a validation of progress for some individuals. Plus, more along the lines that they see others in these and other forums and they want to have the same things others have (e.g. jealousy and/or challenge). It's fairly certain that the majority will not use a variety of the extended (or available) benefits from having a WEMC or VS but most individuals want to see the logo aside from say a Flexible Spending feature. The average consumer doesn't give a hoot or likely aren't aware of the difference in tiers, let alone benefits.

Besides, most of these tiers are so vastly saturated and diluted, it doesn't translate to the "exclusivity" that these once offered in the beginning. If the CC provides a great wealth of perks and benefits as a stand-alone product, the VS/WEMC is just icing on the cake IME. Different strokes for different folks I suppose.

Re: WEMC and VS

Anonymous — Wed, 17 Feb 2016 00:32:11 GMT

Why does anybody do the things they do?

Before I started lurking here I wouldnt have known the difference between a Credit 1 card and whatever perceived top line card you could think of. Now I find myself taking second glances at what strangers use to pay with. Doesn't make any sense or have any personal affect on me - just much more aware of credit related stuff.

I am waiting for my new DC to show up. I want it to be a WEMC and would probably utilize a few of the perks. I didnt app for the card because it could be and wont be dissapointed or change the way I use the card if its not though. I seriously doubt many outside this forum or others like it, care or know the difference

I think a big part of it is - we are conditioned to want what we dont have but I imagine there are plenty who will use the benefits.

Re: WEMC and VS

Anonymous — Wed, 17 Feb 2016 00:42:30 GMT

Everyone wants what they cant have. I am honored to have two Visa Signatures, and two World Mastercards. VS is much harder to attain than WMC IMO, and WEMC seems to be the hardest to attain with upgrades, but is easiest of them all to get just from picking a particular card always issued as that. I guess one could argue the same for VS but I see more low limit WEMCs than VS's

My favorite style of cards were the capital one quick silver WEMCs before they had chips and raised numbers.

Re: WEMC and VS

Callandra — Wed, 17 Feb 2016 01:09:47 GMT

@FinStar wrote:
@Anonymous wrote:
i see so many people get upset if they don't get the "upgraded" version or they get crazy excited when they do get one but i don't understand why. granted, i know the benefits they have (you get them in your welcome letters and can easily look them up. the benefits can be nice if used) but the people that worry the MOST about it are the ones that'll never use them for what they're for.

what's they hype? if you don't use it (or already have a WEMC or VS) then why worry if you don't have multiple? i am just curious
IMO, I believe it's more of a psychological association given the aesthetics (i.e. marketing) and a validation of progress for some individuals. Plus, more along the lines that they see others in these and other forums and they want to have the same things others have (e.g. jealousy and/or challenge). It's fairly certain that the majority will not use a variety of the extended (or available) benefits from having a WEMC or VS but most individuals want to see the logo aside from say a Flexible Spending feature. The average consumer doesn't give a hoot or likely aren't aware of the difference in tiers, let alone benefits.

Besides, most of these tiers are so vastly saturated and diluted, it doesn't translate to the "exclusivity" that these once offered in the beginning. If the CC provides a great wealth of perks and benefits as a stand-alone product, the VS/WEMC is just icing on the cake IME. Different strokes for different folks I suppose.

+1 Pretty much how I feel. I don't even really know the benefits for my VS Quicksilver or my World Sallie Mae. I don't really care. I could've received Platinum versions of both and it wouldn't have made a difference to me. I don't use/know the benefits anyway. The purpose of the cards for me is the cash back (and building good credit history).

Re: WEMC and VS

kdm31091 — Wed, 17 Feb 2016 01:11:39 GMT

I think it just makes people feel good even though there's often no practical difference (niche benefits, but a few people make use of them).

Re: WEMC and VS

FinStar — Wed, 17 Feb 2016 01:23:26 GMT

@Callandra wrote:
@FinStar wrote:
@Anonymous wrote:
i see so many people get upset if they don't get the "upgraded" version or they get crazy excited when they do get one but i don't understand why. granted, i know the benefits they have (you get them in your welcome letters and can easily look them up. the benefits can be nice if used) but the people that worry the MOST about it are the ones that'll never use them for what they're for.

what's they hype? if you don't use it (or already have a WEMC or VS) then why worry if you don't have multiple? i am just curious
IMO, I believe it's more of a psychological association given the aesthetics (i.e. marketing) and a validation of progress for some individuals. Plus, more along the lines that they see others in these and other forums and they want to have the same things others have (e.g. jealousy and/or challenge). It's fairly certain that the majority will not use a variety of the extended (or available) benefits from having a WEMC or VS but most individuals want to see the logo aside from say a Flexible Spending feature. The average consumer doesn't give a hoot or likely aren't aware of the difference in tiers, let alone benefits.

Besides, most of these tiers are so vastly saturated and diluted, it doesn't translate to the "exclusivity" that these once offered in the beginning. If the CC provides a great wealth of perks and benefits as a stand-alone product, the VS/WEMC is just icing on the cake IME. Different strokes for different folks I suppose.
+1 Pretty much how I feel. I don't even really know the benefits for my VS Quicksilver or my World Sallie Mae. I don't really care. I could've received Platinum versions of both and it wouldn't have made a difference to me. I don't use/know the benefits anyway. The purpose of the cards for me is the cash back (and building good credit history).

Right, it matters not for me either at the end of the day. Sure, the perks are available but I have yet to be stopped at a restaurant, hotel or grocery store where any of my cards are handed out and a clerk/associate or someone would say "OMG... Shut the front door! Is that a Visa Signature?!?" or, "I absolutely loooooved the silver balls on your Citi MC...wink wink, can I see them again?"

And, yes I have used the WEMC and VS benefits for the cards that provide some of decent ones but I don't necessarily get disappointed if my next card is not VS/WEMC - for instance, NASA has some decent rewards and a $30K CL but it's not VS and works/is just fine by me

Re: WEMC and VS

Callandra — Wed, 17 Feb 2016 01:29:40 GMT

@FinStar wrote:
@Callandra wrote:
@FinStar wrote:
@Anonymous wrote:
i see so many people get upset if they don't get the "upgraded" version or they get crazy excited when they do get one but i don't understand why. granted, i know the benefits they have (you get them in your welcome letters and can easily look them up. the benefits can be nice if used) but the people that worry the MOST about it are the ones that'll never use them for what they're for.

what's they hype? if you don't use it (or already have a WEMC or VS) then why worry if you don't have multiple? i am just curious
IMO, I believe it's more of a psychological association given the aesthetics (i.e. marketing) and a validation of progress for some individuals. Plus, more along the lines that they see others in these and other forums and they want to have the same things others have (e.g. jealousy and/or challenge). It's fairly certain that the majority will not use a variety of the extended (or available) benefits from having a WEMC or VS but most individuals want to see the logo aside from say a Flexible Spending feature. The average consumer doesn't give a hoot or likely aren't aware of the difference in tiers, let alone benefits.

Besides, most of these tiers are so vastly saturated and diluted, it doesn't translate to the "exclusivity" that these once offered in the beginning. If the CC provides a great wealth of perks and benefits as a stand-alone product, the VS/WEMC is just icing on the cake IME. Different strokes for different folks I suppose.
+1 Pretty much how I feel. I don't even really know the benefits for my VS Quicksilver or my World Sallie Mae. I don't really care. I could've received Platinum versions of both and it wouldn't have made a difference to me. I don't use/know the benefits anyway. The purpose of the cards for me is the cash back (and building good credit history).
Right, it matters not for me either at the end of the day. Sure, the perks are available but I have yet to be stopped at a restaurant, hotel or grocery store where any of my cards are handed out and a clerk/associate or someone would say "OMG... Shut the front door! Is that a Visa Signature?!?" or, "I absolutely loooooved the silver balls on your Citi MC...wink wink, can I see them again?"

And, yes I have used the WEMC and VS benefits for the cards that provide some of decent ones but I don't necessarily get disappointed if my next card is not VS/WEMC - for instance, NASA has some decent rewards and a $30K CL but it's not VS and works/is just fine by me

Hey FinStar...I really like your silver balls...

(sorry, I just couldn't resist)

Re: WEMC and VS

FinStar — Wed, 17 Feb 2016 01:46:13 GMT

@Callandra wrote:
@FinStar wrote:
@Callandra wrote:
@FinStar wrote:
@Anonymous wrote:
i see so many people get upset if they don't get the "upgraded" version or they get crazy excited when they do get one but i don't understand why. granted, i know the benefits they have (you get them in your welcome letters and can easily look them up. the benefits can be nice if used) but the people that worry the MOST about it are the ones that'll never use them for what they're for.

what's they hype? if you don't use it (or already have a WEMC or VS) then why worry if you don't have multiple? i am just curious
IMO, I believe it's more of a psychological association given the aesthetics (i.e. marketing) and a validation of progress for some individuals. Plus, more along the lines that they see others in these and other forums and they want to have the same things others have (e.g. jealousy and/or challenge). It's fairly certain that the majority will not use a variety of the extended (or available) benefits from having a WEMC or VS but most individuals want to see the logo aside from say a Flexible Spending feature. The average consumer doesn't give a hoot or likely aren't aware of the difference in tiers, let alone benefits.

Besides, most of these tiers are so vastly saturated and diluted, it doesn't translate to the "exclusivity" that these once offered in the beginning. If the CC provides a great wealth of perks and benefits as a stand-alone product, the VS/WEMC is just icing on the cake IME. Different strokes for different folks I suppose.
+1 Pretty much how I feel. I don't even really know the benefits for my VS Quicksilver or my World Sallie Mae. I don't really care. I could've received Platinum versions of both and it wouldn't have made a difference to me. I don't use/know the benefits anyway. The purpose of the cards for me is the cash back (and building good credit history).
Right, it matters not for me either at the end of the day. Sure, the perks are available but I have yet to be stopped at a restaurant, hotel or grocery store where any of my cards are handed out and a clerk/associate or someone would say "OMG... Shut the front door! Is that a Visa Signature?!?" or, "I absolutely loooooved the silver balls on your Citi MC...wink wink, can I see them again?"

And, yes I have used the WEMC and VS benefits for the cards that provide some of decent ones but I don't necessarily get disappointed if my next card is not VS/WEMC - for instance, NASA has some decent rewards and a $30K CL but it's not VS and works/is just fine by me
Hey FinStar...I really like your silver balls...

(sorry, I just couldn't resist)

Hey Callandra.

You.

Are.

Awesome!

Allow me to show them to you.. again

Re: WEMC and VS

Anonymous — Wed, 17 Feb 2016 01:54:27 GMT

Does anyone have platinum balls? That would be impressive... No offense, Fin Star

Re: WEMC and VS

FinStar — Wed, 17 Feb 2016 02:03:00 GMT

@Anonymous wrote:
Does anyone have platinum balls? That would be impressive... No offense, Fin Star

LOL. No offense taken ccdad! All in good fun. Well, if it's the Capital One WMC (some versions), I think those are "grayish" Platinum balls. All other ones are what most folks referred to commonly as the Clown (Balls) logo.... I guess those could be Platinum too (and very colorful)! And, for the record, nothing wrong with Platinum MC or Visa! Most of my CU Visas are issued in that tier (with rewards of course).

Re: WEMC and VS

Cr_rocks — Wed, 17 Feb 2016 02:34:29 GMT

I didn't even know what WEMC was until I saw it on the back of my Citi Prestige card and googled it. Doesn't seem to do much of anything, especially when compared to the benefits of some of my cards. IMHO, not much value added unless you don't already have the premium benefits that come with a majority of AF cards

Re: WEMC and VS

Anonymous — Wed, 17 Feb 2016 02:38:48 GMT

Fun.

So you are saying I have to pay for my silver balls? I may just clown it.

I learn sooo much here!

Re: WEMC and VS

FinStar — Wed, 17 Feb 2016 02:44:53 GMT

@Anonymous wrote:
Fun.

So you are saying I have to pay for my silver balls? I may just clown it.

I learn sooo much here!

Well, not necessarily. Some silver balls are available on the cheap! For example, for those who are impatient or profile is not-so-perfect (or too much open credit), the GM BuyPower by Capital One comes in WEMC starting at $300'ish. Yes, shiny but may tarnish quickly. Given the experiences shared by so many, most people opt for just "clowning it" until better balls arrive!

Re: WEMC and VS

TiggerDat — Wed, 17 Feb 2016 03:26:44 GMT

There are some benefits to the VS, WMC, and WEMC, but truthfully I don't really need those benefits. There is only one card which gives me a benefit that I can use and it has nothing to do with the level of the card and that is the primary car insurance I get with one of my airline cards.

I will admit it was nice when I got my first VS card, fairly nice when I got my first WMC, and just really a odd surprise when I got upgraded on another card from WMC to WEMC status. I didn't even get any warning before it happened, I just got the WEMC in the mail. I had to look at the card and wonder why they were replacing it. I looked at the number got the other card out and checked to see if the numbers were the same and turned it over to see if the CSV had changed. It was a moment later when I realized it was an upgrade. It did feel a little nice seeing it the shiny silver emblem, but that was about it. I think I stuck it in my sock drawer after that, since the primary reason I got it was for the bonus signup points for the airline......

Re: WEMC and VS

Anonymous — Wed, 17 Feb 2016 05:17:03 GMT

I wanted what I couldn't have. In the beginning of this long credit journey, I only had regular visa, or visa platinum, or platinum mastercard. I tried my best to get them upgraded (as long as it doesn't cost me anything, why not?). Well... Now that I have both visa signature and wemc, I don't care for either, I have reached my mini credit goal and I'm done. 😕

Re: WEMC and VS

Anonymous — Wed, 17 Feb 2016 05:21:23 GMT

^ lol. truth...

Re: WEMC and VS

OmarGB9 — Wed, 17 Feb 2016 05:38:06 GMT

I honestly just like them for the nicer logos. Especially the Visa Sig logo.

Re: WEMC and VS

Anonymous — Wed, 17 Feb 2016 05:48:12 GMT

the only time i find it better is the fact the NFCU cashRewards visa looks childish but the NFCU cashRewards signature looks much better

Re: WEMC and VS

northface28 — Wed, 17 Feb 2016 06:21:52 GMT

Vanity.