cancel
Showing results for 
Search instead for 
Did you mean: 

Black Card Invitation

tag
Harvey26
Valued Contributor

Black Card Invitation

Came home today to a Black Card Mastercard Invitation for mom. I was so exicted like do you know how people actually get these in the mail. She looked at me and said "shred it". I think the APR she was offered was 16.99 and there APR online is 16.74. Hmmm interesting. But she is in love with her Flagship Card has a 30K limit and 11.99%. So I guess I cant be but so mad. 

Amex ED: 7K, Delta Gold Amex: 7K Macys Amex: 8K , Bloomingdales Amex: 1K , BOA Premium Rewards: 50K , Best Buy Visa: 7K , Banana Republic Mastercard: 5K Target Store Card: 2K VACU Mastercard: 11.5K Discover: 25K, Penfed Platinum Rewards: 12.5K, Apple Card:3K, TD Double Up: 15K
@ 1.74
Message 1 of 17
16 REPLIES 16
Remedios
Credit Mentor

Re: Black Card Invitation

She probably read about benefits before shredding it, which would make it correct course of action. 

Message 2 of 17
Anonymous
Not applicable

Re: Black Card Invitation

Have you looked at the absurd AF for it?  It's a generic MC that doesn't offer much.

 

https://www.luxurycard.com/compare

Message 3 of 17
wasCB14
Super Contributor

Re: Black Card Invitation

Why were you so excited? It's generally considered one of the worst values among ~$500 AF cards (unless someone complains about the AF and gets it waived).

 

Maybe you're confusing it with the actually-hard-to-get Amex Centurion?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 4 of 17
NRB525
Super Contributor

Re: Black Card Invitation

Listen to your mom.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 5 of 17
Remedios
Credit Mentor

Re: Black Card Invitation

You know it's bad when there are 4 posts in a sequence, all in agreement 

Message 6 of 17
longtimelurker
Epic Contributor

Re: Black Card Invitation


@Remedios wrote:

You know it's bad when there are 4 posts in a sequence, all in agreement 


Nah, they are just jealous of OP's mother!

 

All the naysayers are forgetting:

 

LUXURY MAGAZINE®

Cardmembers receive LUXURY MAGAZINE, the exclusive quarterly publication covering a broad range of categories–including travel, fashion, real estate, vehicles and technology. Each issue showcases an artist’s work as the cover art, making it a limited-edition collector’s item.

 
That must be worth, what, 10c per year?
Message 7 of 17
wasCB14
Super Contributor

Re: Black Card Invitation


@longtimelurker wrote:

@Remedios wrote:

You know it's bad when there are 4 posts in a sequence, all in agreement 


Nah, they are just jealous of OP's mother!

 

All the naysayers are forgetting:

 

LUXURY MAGAZINE®

Cardmembers receive LUXURY MAGAZINE, the exclusive quarterly publication covering a broad range of categories–including travel, fashion, real estate, vehicles and technology. Each issue showcases an artist’s work as the cover art, making it a limited-edition collector’s item.

 
That must be worth, what, 10c per year?

To maximize the confusion between Amex and Black Card, maybe Barclays should have gone with "Arrivals" for the magazine name (vs. Amex's "Departures"). Not sure if their existing Arrival CC trademark would cover it, though.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 8 of 17
Remedios
Credit Mentor

Re: Black Card Invitation


@longtimelurker wrote:

@Remedios wrote:

You know it's bad when there are 4 posts in a sequence, all in agreement 


Nah, they are just jealous of OP's mother!

 

All the naysayers are forgetting:

 

LUXURY MAGAZINE®

Cardmembers receive LUXURY MAGAZINE, the exclusive quarterly publication covering a broad range of categories–including travel, fashion, real estate, vehicles and technology. Each issue showcases an artist’s work as the cover art, making it a limited-edition collector’s item.

 
That must be worth, what, 10c per year?

 

And you can meet Mastercard Golf Ambassadors. Had I known that ...

Message 9 of 17
coldfusion
Community Leader
Mega Contributor

Re: Black Card Invitation

Listen to your mother.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 10 of 17
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.