At the end of this Draft/FCB-made spot the announcer, in his most inclusive voice, says, "Now, you belong." But it's not true. I don't belong. I carried and used a Diner's Club card since the 1990s, and never had a problem, but when Darby and I had one 30-day late on our Hilton Head house last year, our house of credit collapsed. According to the banks, once you miss a mortgage payment by 30 days you're a horrible …
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