The most iconic scene from American Psycho features the main character, Patrick Bateman, investigating the business card of rival investment banker Paul Allen and boiling the barely contained envy and fury. "Look at that subtle whitish color. The good taste of the thickness ". In Bateman's world of tailored suits, designer glasses and meticulously trimmed haircuts, the endless design differences between your business card and Allen's are tremendously decisive. He has a lower status because all his companions marvel at the refinement of the other man's card.
The Apple Card credit card, recently announced by Apple, seems to have been inspired by that scene.
We all have something of whatever kind. Patrick Bateman in us. It is that superficial gremlin that drives us to make decisions about the functional elements in our lives based on their shape and aesthetics. Because having beautiful things makes us look good. Because having things of exclusion makes us look rich, what many people substitute for a measure of success in life.
Apple's new Apple Card will capitalize on that basic human longing for devices that indicate the state. Because it is made of titanium and stripped of all functional numbers, it immediately looks different. The people who surround you in the supermarket or restaurant do not need to know the particular credit rating requirements that you had to approve to get an Apple card, you only see the Apple logo and the minimalist design and you immediately recognize that you are a person with Available income. At a minimum, you have enough to buy the iPhone with which an Apple card would be handled.
Or, perhaps, just emit the appearance of wealth. Being a credit card, the Apple card is also a symbol of the debt addiction of the United States, both nationally and personally. Acquiring and using one can plunge you deeper into debt. There is something fundamentally unpleasant in Apple when trying to take advantage of people's weaknesses.
Yes, Apple has always been in the business of state symbols, but the function of state symbols that are usually sold to people is to help improve them. , as the Apple Watch ad of "Better You" suggests. The same company that encourages us to monitor our phone's screen time, make healthier decisions and live a better life is now entering the difficult business of debt, incentivizing spending by returning users cash in their homes. purchases.
I am financially responsible, but looking at that magnificent whitish card, I just love it . And the problem with credit cards begins just when you receive the first one. Apple, in a search to digitize the credit card and reduce it to software running on an iPhone, has created the most desirable and striking credit card I have found.
It's the Paul Allen card of the banking world, and the only thing that could improve it is if it were a debit card, so I would not be encouraged to spend money that I do not have.