: I don't care about your credit card
I don’t know if this is just a me problem or not, but people love telling me about their premium credit cards. They always bring up the same points:
- It costs $400/year
- But it pays for itself
- Travel rewards and cash back
- Airport lounges
I get it, it’s just making conversation, right? But is there anyone alive who hasn’t heard this sales pitch at this point? Anyway, if you are one of these Premium Kappa Whatever reserve hustlers, here are the reasons you should reconsider evangelizing your credit card:
- I already know.
- I don’t like playing fiddly numbers games with my money—yes, even though I am good at math.
- If I wanted the card I would have signed up by now.
- I took microeconomics and understand that “it pays for itself” is a losing proposition for the creditor—the benefits will be enshittified before long.