Have you googled the best/worst cards to have? Even if sites have different outcomes, maybe seeing a few articles (written by someone other than her daughter ) on pros/cons of different cards can generate conversation on what is important longterm and what isn't. I have no idea as my mother is so responsible/skeptical of this type of stuff, but I know "what they say", sadly, can go further than well meaning relatives so trying to come up with ideas for you to use that might help your mom.