I think the issue here is the definition of "damage." Think about this from a design company's perspective. They've designed a Beautiful Looking Credit Card. A

I think the issue here is the definition of "damage." Think about this from a design company's perspective. They've designed a Beautiful Looking Credit Card. A credit card typically takes scuffs, scratches, wear and even tear from everyday use - wallets, pockets, bags and purses. You put the Beautiful Looking Credit Card in those places, and it'll get scuffed, scratched, worn, etc, just like all the others. But now, because it's designed as a Beautiful Looking item, customers are more likely to complain.