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Recently I was talking to a friend and the topic of credit cards came up. I asked my friend (xx) if they had a credit card:

ところで、xxはクレジットカードを持ってる?

and got the following response:

そりゃあ持っているでしょう

I'm not too sure what the に at the end means, but searching around the internet it seems to be related to のに. However, sentences that end with のに typically indicate disappointment/regret etc and I don't believe that was the case here. I found this:

あなた、それくらい分かっているでしょうに。 You know that, don't you? この場合の、don't you? に相当するのが、「でしょうに」です。

which seems close in meaning, but it doesn't feel like it's from のに. Any elucidation on this would be helpful.

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    I asked my friend if they had a credit card ← What were the exact words you used to ask that? IMHO, that would be the key for a productive answer. The reply sounds fairly nuanced; therefore, a good amount of context in the original Japanese would help a ton. A long explanation in English would not. – l'électeur Nov 11 at 11:44
  • @l'électeur Added what I said when I asked.. – Ringil Nov 11 at 13:14
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「そりゃあ持{も}っているでしょう。」

For the majority of native speakers, this is not a regular, "calm/relaxed" way to say:

"(Yes,) I have (a) credit card(s)."

That is why I asked above how exactly you asked your question that triggered the use of the highly nuanced and possibly emotional に-ending.

My first impression when I read this question before the edit was that the speaker was slightly irritated or surprised at your question -- "Of course, I have a credit card. Why would you even ask?". That could happen because credit cards are far more common in Japan than what the popular J-vloggers on YouTube seem to want you to believe.

According to goo辞書, 「(よ)うに」 does the following:

★後悔・不満・非難・疑問・感動などを表わす。

That means "expressing regret, dissatisfaction, criticism, doubt, emotion, etc" and this is precisely why I said what I said at the beginning. Your friend's reply is clearly nuanced. A regular, non-nuanced reply would have been along the lines of:

「(ええ、)持ってますよ。」

The difference between that and the actual reply you received is huge.

What one could still not tell is exactly why s/he replied that way. To analyze it, we might need to read the entire conversation that took place, which I will not ask you to show us. As a native speaker, I could just almost hear the silent 「なんでそんな(当たり前の)こと聞くの?」.

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    Your native ears are pretty good. My friend literally later said having a credit card is 当たり前. – Ringil Nov 12 at 3:14

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