Dear Brethren and Friends,
When I was just out of college and working my first full-time job, I secured an American Express card. It was not that I needed another way to spend money that I did not have. I had been advised by my parents of the importance of building my credit score. Basically, this is a record of how well one does with repaying small expenditures purchased on credit. I recall clearly the tag line that Amex used: Membership has its Privileges.
I was pleased that I had qualified for the familiar green and white plastic card. I saw it as a symbol that I had grown up and joined the ranks of the labor force. In the years since signing up with American Express, my wife and I had to pay a fee each year to renew. Even though it really no longer made sense to keep the card, the little Member since 1981 note on the card made me nostalgic for the days when that card was my only way aside from cash to charge a meal or make a larger purchase.
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