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15 Little Life Hacks

Dear god

22 Comments- Get free updates of new posts here

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IWT reader Alan R. sends me this image he found online.

I really love the copy in the bottom-right corner. Well done, Scammy Credit Card Ad Copywriter. I will see you in hell.

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22 Comments on "Dear god"

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Pam
Pam
5 years 14 days ago

How awful! Who are they targeting?? I can’t imagine anyone but a naive kid would possibly be enticed by an ad like this, and that’s just terrible! I agree….soulless!

Olivia
5 years 14 days ago

Sadly enough, one of my former bosses would have. Some people have such a dysfunctional relationship with money that they never outgrow no matter what their physical age is.

T. AKA Ricky Raw
5 years 14 days ago

Why exactly is it a scam? It’s being kind of honest in a warped way actually. If you’re the kind of person an ad like this works on, then you were going to get yourself in trouble with a credit card no matter what the ad said, so I don’t see what’s unethical or scammy about it.

Olivia
5 years 14 days ago

It goes against Ramit’s definition of ethical persuasion: if they had all the information in the world, would they do it, etc.

slug | sunkcostsareirrelevant.com

This is just basic marketing. The idea that “a credit card lets you pay for it later” is completely accurate. There’s nothing deceptive here. Aside from that one quote though, it’s completely antithetical to rational and disciplined personal finance.

Whitney
5 years 14 days ago

That made me laugh.

Technically the copywriter is right, but it sounds like Eve tempting Adam to bite that apple. It sounds so simple but BAM…all of a sudden God smites you.

Paris Hunter
Paris Hunter
5 years 14 days ago

I come for the finance tips, stay for comedy lol.

ma pla
ma pla
5 years 14 days ago

This is exactly whatthe US government does. Obama proposes a “jobs” bill that costs around 480 billion. The money will likely be spent over a year’s time.

It will be paid for over ten years. Obama will not be president then.

Maneesh Sethi
5 years 13 days ago

I like how you say ‘see you in hell’, implying you’ll be there to meet him 🙂

Raquel
5 years 13 days ago

I wish these kinds of ads would include extra details like:
* If you only make the minimum payments, it will take you 10 years to payoff a $400 shopping spree.
* You’re about to pay extra for something that will be worthless by the time you finish paying for it.
or my favorite…
* Miss one payment and we will ruin your credit scores.

Sam
Sam
5 years 13 days ago

LOL at the comments saying this isn’t deceptive. It definitely is crossing a line of ethics. Just because its legal doesn’t make it right. Have a moral code people.

early retirement
5 years 13 days ago

Everything just comes with a cost, and they dont want you to see it, but yet bonded legally to tell you.

Helen
5 years 13 days ago

The ad is aimed squarely at a psychological need – to ‘Buy More’, what’s that really about?

Also interesting (although it may be a result of subsequent cropping) – you can’t see the woman’s eyes.

Jason Cabler (@DrCabler)
5 years 13 days ago

WOW! I warn people about marketing and how it can influence you in my Celebrating Financial Freedom course, but I’ve never seen anything like this one. Many people can look past this kind of crap, but sadly, some people have much less self control than others and this just needlessly feeds the fire. Absolutely pathetic. I would bet this goes against the ethics of many in the marketing community.

Dan
5 years 13 days ago

Obviously the message is unethical and jaded, but I’m more intrigued by whom the ad is targetting. It it clearly trying to go after women, perhaps of a younger age as it’s pushing shopping. They cut off the models upper head, but show her smiling to her hearts content. By cutting off her head, and almost making her indistinguishable….it’s like they are almost pushing the thought that this could be you. I’d love to know where Alan R found this ad.

Amos
5 years 12 days ago

They just go right out and highlight the bad behavior the comes with credit cards. I’m imagining the equivalent candy bar ad that reads “Eat as much as you want. You can always go to the gym later.”

Vikram
Vikram
5 years 12 days ago

This ad is not even close to the downright sleazy and manipulative copy common in the Internet Marketing field. Even Dan Kennedy, the granddaddy of direct sales marketing, says “we are in the business of manipulation”. The Salty Droid’s blog features a rogues’ gallery of these sort of marketers.

Natalie @ Mango
5 years 10 days ago
Shop allllll you want! It sounds like some mystical, magical promise with no repercussions. Kind of like that whole, “but can we really afford this house?” “Who cares, get a loan!” or the “I can’t really afford to travel right now…” “Doesn’t matter, charge it!” It isn’t like loans or charges just disappear, but ads like this make it seem like no big deal. I do wonder, where was this ad found? Who is the audience? I have to believe (in order to sleep at night) that even an audience of “naive kids” as Pam put it, would know better… Read more »
Ben - BankAim
5 years 10 days ago

What are you talking about? This ad sums up the American Dream… and the American economy!

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