Customized credit cards: What photo would you pick for your Visa card?

USA Today published an article about the latest trend in the financial world this morning: customized credit cards. Nope, that doesn't mean you get to pick your own rates and fees...customized credit cards allow you to use a personal photo as the design. Forget landscapes and gold patina, apparently consumers really want a card with a photo of the family or car on the front.

It's pure marketing genius on the part of the credit card issuers. It seems that most borrowers care more about the design on the front of the card than the actual rates and fees. Before you get carried away by your artistic impulses, always remember to investigate the "Schumer's Box" before you apply for a new credit card. Choosing a plain old blue credit card instead could save you hundreds.

If you do want to design your own custom credit card through Capital One or First National Bank be creative! You could actually use this as an opportunity to add some healthy personal finance messages to your credit cards. If you have trouble saving money put a photo of your dream house or vacation spot on the front of the card as a reminder to not overspend. Put pictures of your kids on your card as a reminder that you should save for their future. Or even better, design a graphic that includes one of our credit card "warning labels!"

What would you put on your credit cards? Share your ideas and feedback in the comments section below!