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Being Judged for your CC at high end stores

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Valued Contributor

Re: Being Judged for your CC at high end stores

At the beginning of my rebuild, I was in Walgreens and handed the cashier my CreditOne Platinum Visa, to which she said, "ooohhhhh platinum. fancy!"

 

LOL

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU More Rewards Amex/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder Visa/Citi Costco Visa/CapitalOne SavorOne/Apple Card - $132,100 total revolving
5% down Conventional Mortgage @ 3.25%
Message 41 of 87
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Valued Contributor

Re: Being Judged for your CC at high end stores


@SteelerNYC wrote:

At the beginning of my rebuild, I was in Walgreens and handed the cashier my CreditOne Platinum Visa, to which she said, "ooohhhhh platinum. fancy!"

 

LOL


LOL

Scores, HPs/24 mos. (updated 11/20/20):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 815, 1/24
    Equifax = 818, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07
Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 42 of 87
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Established Contributor

Re: Being Judged for your CC at high end stores


@CardNut wrote:

@coreysw12 wrote:

That said.... when I go on a first date with a new girl, I generally don't pay for dinner with the Cap1 card Smiley Very Happy


Are you embarrassed by your Cap One card? Using that card like taking her to McDonald's on a first date?


Nah I was just joking about that, it would just be silly to use the Cap1 card for that and miss out on 2x UR points! She might judge me for my inability to maximize points earning Smiley Wink

    Total Loan Balance: $61k / $104k

    Total SL: $41.2k
Goal cards:



United 1K - 675,000 lifetime flight miles    |    Chase 6/24
Message 43 of 87
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Valued Contributor

Re: Being Judged for your CC at high end stores


@coreysw12 wrote:

@CardNut wrote:

@coreysw12 wrote:

That said.... when I go on a first date with a new girl, I generally don't pay for dinner with the Cap1 card Smiley Very Happy


Are you embarrassed by your Cap One card? Using that card like taking her to McDonald's on a first date?


Nah I was just joking about that, it would just be silly to use the Cap1 card for that and miss out on 2x UR points! She might judge me for my inability to maximize points earning Smiley Wink


I dine a few times a year at a local restaurant full of wealthy seniors. I pull out my Cap One card, and I have to say I did think about it once (a misfit for the establishment), where other diners have high-end cards.

 

And I have to say, my Savor is all black--- so that it doesn't look like a Cap One card, except the Capital One logo is at the top right. I ought to paint over it with black paint lol.

Scores, HPs/24 mos. (updated 11/20/20):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 815, 1/24
    Equifax = 818, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07
Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 44 of 87
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Established Contributor

Re: Being Judged for your CC at high end stores

I have only seen a black Amex twice in my life. That's probably the only card that made me wonder (for all of 5 seconds) what the person did for a living.

 

    EQ=841        TU=834         EX=834      INQ=0/0/0     UTIL=1%        AZEO


Message 45 of 87
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New Contributor

Re: Being Judged for your CC at high end stores

I never really thought about it and normally buy online only or I use apple pay at the stores.



Message 46 of 87
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Established Contributor

Re: Being Judged for your CC at high end stores


@OmarR wrote:

I have only seen a black Amex twice in my life. That's probably the only card that made me wonder (for all of 5 seconds) what the person did for a living.

 


Same, I've only ever seen it once, and I knew what the guy did for a living so I mostly wondered how he, as a doctor, managed to get an invitation. Must be a hell of a doctor.

    Total Loan Balance: $61k / $104k

    Total SL: $41.2k
Goal cards:



United 1K - 675,000 lifetime flight miles    |    Chase 6/24
Message 47 of 87
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Valued Contributor

Re: Being Judged for your CC at high end stores


@coreysw12 wrote:

@OmarR wrote:

I have only seen a black Amex twice in my life. That's probably the only card that made me wonder (for all of 5 seconds) what the person did for a living.

 


Same, I've only ever seen it once, and I knew what the guy did for a living so I mostly wondered how he, as a doctor, managed to get an invitation. Must be a hell of a doctor.


Well, then I got a lot of work to do to make my black Capital One card look exactly like the Amex. Man, that's a lot of detailed painting.pasted-image-0-3.png

Scores, HPs/24 mos. (updated 11/20/20):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 815, 1/24
    Equifax = 818, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07
Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 48 of 87
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Community Leader
Senior Contributor

Re: Being Judged for your CC at high end stores

I had the guy in the Taco Bell drive-thru comment on my Amex Gold once (4x is 4x lol). He said “man this is heavy - must be good for a lot of money!” Lol I just said “no matter how much it could possibly be worth, my kids would manage to cost me all of it!” We both laughed and that was that. Only other time was at a restaurant and the waitress commented on the Rose Gold color, saying it looked cool and she hadn’t seen that before.

Guess I don’t haunt the places where people have stuck-up attitudes?


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $86,900 | Agg. Util under 5%
Message 49 of 87
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Valued Contributor

Re: Being Judged for your CC at high end stores


@ub3rl1ght wrote:

@dberryhill wrote:
They don't care.
...which is why I usually make sure to make my metal cards "ping" multiple times before handing it to them so they know how impressive it is. If they still don't care after that, I usually tell them my credit limit.

Haha this post made me really laugh!! Smiley Happy 


But what if this wasn't a joke? Smiley Wink

Quoting your credit limit and FICO scores

always seems to impress people I talk to. 

https://external-content.duckduckgo.com/iu/?u=https%3A%2F%2Femojipedia-us.s3.amazonaws.com%2Fthumbs%2F160%2Fapple%2F48%2Fface-with-rolling-eyes_1f644.png&f=1&nofb=1



Updated 10/08/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 27+ years;
AAoA = 8+ years; AoYA = less than 1 year (Aug 2020)
Total Open Credit Lines Over $538K. Utilization Less Than 1%.
Inquiries until Nov 2020 (TU:3 -- EQ:4 -- EX:9)
New Accounts: 3/6 months; 8/12 months; 12/24 months (as of 10/15/20)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 50 of 87
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