People will have an altered idea of who you are unless they really take time to get to know you, which of course they don't. They just get what they see, and they take that to the bank.
“I didn't do it, nobody saw me do it, there's no way you can prove anything!”
“They're pushing credit cards. They don't take Visa, but they do take American Express, or they don't take this one, but they take that one, or you'd better bring this one, or if you forget who you are, look on your credit card; it will be there.”