Originally Posted by
HillRider
What this says is the bike seems to be geared as a "credit card tourer" meaning it is lightly loaded and you carry only extra clothes and sleep in motels and eat in restaurants. Hence the need for a "credit card" and you can get away with fairly high gears. The opposite is "loaded touring" where you carry a tent, sleeping gear and cooking gear as well as your personal stuff. Loaded touring bikes typically have much lower low gears.
A true "credit card tour" is when you carry NOTHING on the bike past your wallet, phone, small snack, and possibly a wind/rain jacket, and you PAY the hotel to ship your luggage to the next stop. This is very possible in Europe, not so much in the U.S.