The idea of acquiring a Platinum Card may be alluring, but before you make that all important decision on the card of your choice, it may be wise to pay attention to the finer details or differences before making a choice. Indeed, the variations in terms of interest rates, reward points or even credit limits of different credit cards are able to bring significant value to consumers.
In general, platinum cards have higher credit limits and thus require applicants to possess a good credit history. However, certain credit card companies raise the bar on applicants by setting requirements for certain criteria to be met before approval. For instance, while some platinum credit card companies require a minimum annual household income of $35000, others pose a higher limit of $60000. Apart from that, certain credit card applicants need only be 18 years of age, while some others may limit their customers to the 25 and above age group. Furthermore, when it comes to APR and credit history, things are never as clear cut as they seem to be. After going though their customers’ credit report, card providers may categorize these applicants into different levels of credit health. This could mean a difference of between 4% and 8% on the applicants APR.
It is also the norm for platinum cards to offer lots of benefits in line with their relatively low APRs. However, this could mean that credit card users may be paying for their rewards through high annual credit card fees. Some platinum cards may require an annual fee of $300 while others waive this fee for the first few years. Another variation to this is platinum credit card companies that waive their annual fees for those who charge a stipulated minimum amount within a specific time frame. Nevertheless, platinum card users may still be bogged down with other high fees such as transaction fees, card replacement fees or late payment charges.
Finally, consumers should check out the rewards that come with a platinum credit card. Applicants should always pick a card with rewards that are suitable to their needs. If they travel a lot, then a platinum card with travel reward benefits would be more suitable than another with cash-back rebates.
Credit Card Offers Rewards
Beyond everything else, patience is required of anyone who is pursuing friends, lovers or mates in the real world and online. When I do the dating thing in the real world, I find several opportunities to talk to the person in whom I am interested. Then after a few meets, I pop the big question, asking for a date. Then date night comes along and it may work, and it may not, but more frequently all seems well early, only to fall apart at a later date.
Folks, online dating comes with all the same pitfalls as offline dating. You advertise yourself, you find people whom you may be interested, you try to talk it up, and then the first date comes. That first date may work and it may not.
In the end, online dating is much the same as offline dating, with a few more benefits and pitfalls thrown in to frustrate the person seeking a date.
The Differences Between The Online And Offline Experience
The biggest difference between the online and offline dating experience is a benefit that comes from it.
Benefits Of Online Dating
With online dating, you get to be introduced to people with whom you may have never had the opportunity to meet in person - usually due to different lifestyles and different locations.
With online dating, you also have the ability to sort through the profiles of hundreds or thousands of people to narrow your list to your best matches more quickly.
Shortcomings Of Online Dating
When you meet someone you like in person and you say hi, he or she will usually say hi back. For every 20 emails sent out, as few as 2 or 3 may respond back.
Some online daters have defined this as the difference between "talkers" and "doers". Many point out that most people online only want to talk about meeting, but when it comes down to it, they will be unwilling to take the "action" step.
This actually happens in one of two ways. First is when you send out an email and no one ever responds. The second is when you actually set up a date, only to be stood up.
Let's be honest about why this happens.
So many people have heard horror stories about people who have met strangers online, only to have the meet go horribly bad. Yes, the criminal element hangs out online as well as at the local mall.
Ladies fear the criminal predators, and the guys should fear the fake profile predators who are always working towards asking for money to be sent for a needed emergency expense.
The one time I ran into the fake profile predator, I should have known when she could not talk intelligently about her hometown. I knew the gig was up when she started professing her love after only a few conversations. And the gig was finally up, when this woman who supposedly made about three times as much money as myself needed help to pay for her babysitter in some far off state.
The trick to ensuring your safety is to always make your first date in a public place. That way, if things go badly on that first date, then you can seek assistance from other people if necessary. You can even ask the cashier to call the police out to help escort you to your car.
Unfortunately, many people go so far as to set up a date in a public place, but when the scheduled date time arrives, they simply do not show up. Many of the people who got stood up were good, honest people, but the person who stood them up will never be able to find that out, because they never met the person whom they agreed to meet for that first date.
Fear Is The Greatest Demotivator
When dating online, the opportunities are available for some great people to meet and get together, but too often, people let the fear of contact stand in the way of letting people come together. The fear of responding to an email is the greatest threat to the successful fulfillment of one's relationship desires, but also the fear of actually meeting someone in person will prevent even people who have chatted online for a long time from coming together.
I am always amazed when I think back to my friend Lisa, who chatted with a guy online for more than one year, before the two of them met. And then they dated for several months when he moved to her hometown. They are still married eight years later. With so many things that could go wrong in the online dating experience, it is nice to know that there are success stories that we can share.
Both Adam Goldman & Lance Metzger are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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