Shiner, have you worked for a bank? This is a premium consumer product that needs to be marketed as such. It's simple economics of the "have's and have not's." Banks are not dumb, they are going to cater to those who feed them, and people who make lower wages generally don't. We are a capitalistic society not socialistic., so if you can afford the card good for you,, if you can't ..... Watch your bank account more frequently. Life is not fair and we are not all created equally.
So I reaffirm what I have stated before, this is a premium card for those who are willing/ can afford it.
BTW - the AMEX Black Card was a huge marketing success for them.
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