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Metal credit cards: status symbol or inconvenience

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Metal credit cards: status symbol or inconvenience
Research
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Christina Ly Credit cards writer | The Points Guy

There's a growing trend among credit card users to opt for metal cards, which are often seen as status symbols due to their sleek and heavy design. The Chase Sapphire Reserve, launched in 2016, was a pioneer in this category, with its popularity even leading to a temporary shortage of metal. However, despite their appeal, metal credit cards come with certain drawbacks that potential users should consider.

One issue is that metal cards are not universally accepted. While it's rare, some older card readers and parking machines may not accommodate them. "Your card is only useful if you can actually use it," the report notes.

Another concern is that metal cards can set off metal detectors at airports. For those who regularly travel and enjoy the convenience of Global Entry or TSA PreCheck, this could be an inconvenience. Carrying a metal card may require changes to one's security process at airports.

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Disposing of these cards also poses challenges. Unlike plastic cards that can be easily shredded at home, metal cards must be returned to the issuer for proper disposal. This process involves either sending them back in a return envelope or requesting one from the credit card company.

Moreover, what once was a symbol of exclusivity has become commonplace. The American Express Centurion Card started the trend as a coveted status symbol but now many issuers offer metal cards, reducing their uniqueness.

In conclusion, while there is satisfaction in using a stylish metal card, consumers should prioritize the earning potential and benefits over material considerations when choosing a credit card.

Organizations Included in this History
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