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This commercial is just ridiculous. First off, the credit card companies are busily slashing their customer base and their customers' credit lines. Second, you'll have to hunt a long way to find a straight guy who is going to be happy at the idea that, instead of being able to use the credit-card points to take a vacation, his wife used them to buy a very expensive dress. From his approving expression when she models the dress, he's probably a closeted drag queen and as soon as she goes off to work, he's going to try on that number.
Use the dress to polish your shoes. Shitcan this commercial.