Plastic Impression

Occasionally, my job requires me to network and to stay in touch with contacts, usually over a meal or just coffee. It's one of those things I rather enjoy doing especially with contacts who click.

When it's my turn to get the bill, I often pay using my credit card. Not because the amount is so huge (usually not!), but simply because I enjoy the convenience of plastic. The thing is I have been using a particular bank's classic card for close to a decade now and enjoy seeing the points pile up over the years.

For some time now, my wife has asked me to ditch the classic card, if only because "even the messenger in my office uses a gold card". Yes, apparently stiff competition between banks made it very easy for just about anyone to own a gold card these days. Many are either not aware, or like me, not too bothered.

But of late, I have become more conscious of her point. Working for a public figure makes me more image-conscious. In the course of my work, I also have to deal with characters who treat those who put on elegantly-matched cufflinks a world of a difference from those who sport a RM12.90 tie from Carrefour. And classic credit cards? Let's not even get there...

Well, actually I did apply to upgrade to a gold card years ago. I was rejected because my wife works in that bank which issued the card. Under Banking and Financial Institutions Act (Bafia), I am not even allowed to own any credit card from the said lender. (I have no idea why the bank still allows me to keep the card though.)

Over the years, I have linked many accounts to the card for bill-settlement purposes, from insurance premiums to mobile phone charges to charity sponsorships. Cancelling the card means I have to re-apply to link these accounts to the new card, which I find to be quite a chore.

Well, I actually do have a gold card from another bank, applied many years ago (for the free gift!). But I hardly use it because settling the bill was a hassle; either I send them a cheque or queue up to pay (although later, Internet banking enabled inter-bank settlement, which came with a fee).

Anyway, I still enjoy seeing my points grow from the card I have used all this while and enjoy the convenience of settling the bill via Internet banking service provided by the same bank which my salary is credited into.

So far, I am still sticking with my "old (card) is gold" maxim. I am too lazy to apply for a new card and have even turned down an offer from wife to be her supplementary card holder. As for those pretentious snots who judge a person by the colour of their cards, I guess for now, carrying more cash with me ought to do the job.