Prime Rate Credit

Well, apparently that’s what some credit card companies are thinking anyways. They are banking on the idea that consumers will reach for a cool, neat looking designed credit card more often than they will a blah, boring design of yesterday, so they are all trying to out do one another in the appealing design department it seems.

I have to admit, I do love how now you can usually choose the design that you want to be on your card, but do I think it’s true that I will actually reach for that card more if it is eye catching and appealing? No, I don’t. Because no matter how pretty, cute or trendy my credit card looks, the first thing I’ll think of when I whip out the plastic for a purchase is “what’s the APR on this one” or “what’s my balance on this one, and can I afford to make another purchase on this”.

Either that, or I’ll break out my trusty friend who I use the most, my treasured debit card. At least I know the money is in there, and I won’t be charged an APR on my purchase. Now there are actually cards who are trying to take the cake - literally. They are making scratch and sniff credit cards cards can you believe that?

They are also making lots of credit cards for college students which appeal because they are trendy and are “luminous” looking, or use the shimmery stuff that I used to love in grade school and have extensive amounts of in my vast sticker collection. Hmm, perhaps they are using a bit of psychology on us that we’re not even aware of?? Hmm…