This is an incredibly ambitious TV commercial for a local Boston bank.
It's got hip music. Computer graphics — the flock of birds is a nice touch. They've got diversity covered; looks like there's an African-American woman, a couple of Latin people and a Muslim woman along with the typical assortment of Caucasians. There's a white-collar customer and one who looks like a construction contractor.
It even has a concept: the small business customer is the star, honored and respected by bank staff.
The creators of this spot tried really hard to make it something special. And I have to applaud anyone who doesn't settle for the expected and instead reaches for the stars.
Unfortunately, I think they overreached. The end result is very odd.
Years ago, when I was much younger and still living with my parents, Fingerhut catalogs would regularly come in the mail. They were full of welcome mats, salt & pepper shakers and poly/cotton sweatshirts. Unicorns, kittens and bowling were popular themes.
Today, Fingerhut's business model apparently includes extending credit to people with poor credit scores -- and using questionable imagery -- as the banner ad above indicates.
In case you were wondering, THIS is the screen where I saw this banner ad.
An article in the Wall Street Journal warns that so called professional credit cards — that is, cards designed for small businesses — are NOT covered by the Card Act. That means those who carry these cards do not benefit from the same consumer protections that other card carriers enjoy.