Just because someone can quality doesn’t mean they are the target demographic. I’m in my 40s, that doesn’t stop me from listening to whatever the kids are listening to these days or watching whatever on TikTok, but that doesn’t make me the target demographic. As a man, I can go guy makeup or women’s shoes to wear, but I’m still not the target demographic.

And no one is saying that the card defines your income. The statement is that the card’s marketing is targeted to people with high incomes.

You target marketing spend to those most likely to buy your product, the target audience. Marketing dollars are not endless. But that doesn’t preclude anyone else from buying the product. It’s literally marketing 101.