What is tacky to you, over prices to you, has nothing at all to do with the APT business model.
The entire APT business model relies entirely on high margin, goods and services. That means overpriced clothing and accessories as well as overpriced discretionary services to cover the extortionate merchant fees. No low margin business is willing to give away most/all of their profits in BNPL fees.
Interesting, in your list, you are sad that someone can't purchase a $10,000 ring for their partners. What? Isn't that a waste of money???????????????????
You have a bizarre idea that people use a CC because they can't afford to pay cash. In fact rich people use them to avoid carrying cash. The prestige CCs offer all kinds of services such as 24/7 global assistance, concierge services, discounts and special offers to holders.
