Pretty Credit Cards...

I'm waiting for the day I get the black AMEX card. I want that one.

I am waiting on my black AMEX card myself. That means that I have finally moved up in the world. :lol:

I had a Orchard Bank card and was amazed of how beautiful it was and how stricking the definition and the color was. Green, dark green. I love green.

But then I had a Capital One Credit Card with the Ocean view on it. I feel the crisp warm feeling of touching the plastic as I slid it across the sudden credit card machine listening to the ringing of the harmony of the cash register. Ah, the days.

But just like a handsome man, it was just pretty on its face. :lol: But it was deadly.

Aren't there some companies that allow you to put your own image on the card? I thought I'd heard that somewhere. I know one bank has a card that has a picture of a pug on it. When I saw that I immediatly thought "I need that card!"

*note - I never ended up getting the card, but having cool pictures is a good marketing technique.

All a part of marketing---look at the ads for credit cards in the magazines. They are all pretty and colorful and fun to look at. The idea is to get you, like Jessi said, to see them sitting in your wallet and "hear" them saying "pick me, pretty girl, pick me, we can have fun today!" And checks, don't get me started on them---OMG---I LOVE to look at those check ads in the Sunday paper.

BUT, here is the thing---no matter what my credit cards or checks look like, the way they looked never made me want to USE them. Buy the checks or apply for a card, YES, use--no.

I think the black card would make me feel superior and sophisticated...lol

I've asked a lot of people about my theories...They all seem to agree! IT'S A CONSPIRACY! AHHH!

My Amex blue looks pretty good.Citi does allow you to cstomize your own card and I think Chase is following them with same idea. My Discover looks good but only gets used enough to remove dust from it. :lol: I am using 3 credit cards to enhance my fico so I will be in the sweet spot come construction mortgage. I am flying on cloud nine this morning.I ran fico scores today on the wife and I. Her ave is 768.My average is 790. Yall have a good weekend. I will be in and out when I can.Enjoying my first days off in 45 days! :shock:

Cajun--

It will definitely be awhile for me before I see a credit score like that, or should I say, if I ever see a credit score like that :(

I'm still hovering right around 600....But with newish car loan on there, my balance is pretty high..But once it's paid, I should be in better shape. 2 of my cards are new, after a few months I should get a boost. My Chris drives the car, so he makes the payments every month..I'm going to do a few extra payments though to pay it down. I would LIKE to take a second job to pay it, but I don't have the energy for the job I have right now, let alone putting in another few hours..I'd like to find something to do at home, but that's hard to find. :-P

Scores can be raised.Never ever give up no matter how low you think you are. Also remember on your credit report,I follow the opinion of everything is disputable.

I've disputed accurate and inaccurate....And I've had BOTH removed...NEVER believe that you can't get something removed from your report..

I've also made deals with collectors to remove information after payment. It can be done.

I've gone from below 500 to 600ish in about 1 year. Most of my negatives have been removed from my report. And now my positives outnumber my negatives, so that makes me happy. :)

I still kick myself every day that I didn't CARE before now. But in the next few years I will be in great shape.

Brownsugar,
Don't give up.Take care of your personal finances in whatever way you can.After that is taking care of start the process of rebuilding.During a rebuild it is important to remember to take baby steps and take your time.Don't let that score stress you. I fought Equifax and transunion over 6 months with practically no change in score. I opened three new accounts and got rid of some bs inquiries that had no business being there. After all that trouble,I lost 25 points on transunion,Gained 11 points on equifax,and gained 15 points on Experian. I have been tweaking my reports for over a year and still can't figure out fico!!!!

Cajun--I don't think ANYONE can understand Fico...I think they change the rules on a daily basis to prevent anyone from figuring it out. I think if someone figured it out, the world would end...

:lol: That is too funny,Jesse.I gave up on understanding that insane thing last year. Last time I spoke with a loan originator,he seemed as clueless as me. He sends all our stuff to underwriter and they do manual review which I prefer. I happen to believe in a human reviewing info vs being shut down by a freakin cpu.

I agree with you. It's a shame that more companies don't use manual review, other than a "credit score".

But until they all do, we have to work on being the best "score" we can be.

That is so true,Jessie. I want to share a little known trick that works a lot of the time with major companies.

If you are turned down on application,call and ask for the underwriter's extension or his fax number. Gather your proof of income and a statement of your debts showing contact info for each one. Send personal letter stating you want a reconsideration based on a manual review. Good luck!

[font=Georgia][/font][color=Blue][/color][size=3][/size]My pretty credit card that everyone comments on and I use all the time is my Elvis Presley Visa. Only thing is, Bank of America bought it out.

You know what you said is very true.

Some people also keep "Pretty" cards to fashion class.

For example, I know of a friend who has close to 5 cards and he only visibly keep the GOLD card on his wallet. Whenever he goes to a classy restaurant he whips out his wallet and gently but confidently displays the GOLD card on the Credit Card Panel to make payments.

I guess Pretty Card fashions Class as well lol

yall are all crazy... a credit card is a credit card... LETS GO SHOPPING FOOLS LOL

MONEY MONEY MONEY MONEY MONEY

My cards stay taped in their respective folders in my office desk ... I carry one with me always, and when I travel I take 2 plus my debit card. But to pick up Jessi's topic...

My Capital 1 card has one of those nice, soothing beachy themes. I picked it because I thought it would encourage me to get out of debt faster, so that I could actually GO to the beach on vacation!

My HSBC Discover Platinum Rewards is just a solid color, but it is a lovely slate blue color, kind of like a thunderstorm blue-grey sky color?

My Chase Visa is just a boring silver with a Visa logo in the background. Blah.

My American Airlines AMEX is similar to my Chase Visa, with an AA logo in the background. Double blah.

Husbands B of A is a flashy white color with red and blue ... it stands out more than any of the other cards.

No gold cards, but I can see where they would be flashy!

so what's in your wallet? :)