Creature - ironic that you reference a credit card commercial, as credit cards have a possible answer to your question. Like rxraptor says, check all the applications they mail out, and you'll find 'fake' credit cards.
Other options - old movie store cards, old insurance cards, old 'store' cards (Bi-Lo card, Ingles advantage, etc)...
Though I would make sure ALL info relevant to me was scratched out/destroyed (and any magnetic strips too)!!!!
Some money probably helps, makes it scream less "fake" anyhow.
I've carried one daily for a while now, it's no big deal - just a tiny little bulge in the back or cargo pocket. Usually the former, and I can't IMAGINE carrying anything else there, especially spare ammo/magazine. OUCH!
Mine's so thin, I could probably carry it in the same pocket as my "real" one.
Just seems like a cheap and easy form of 'insurance' that just might come in handy some day in some situation.