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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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  1. 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!

    • 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.

  2. 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.

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

    • Finally, someone talking about ethics. Just because you CAN write something doesn’t mean it’s right. Thanks, Olivia.

  3. 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.

  4. 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.

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

  6. 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.

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

  8. 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.

  9. 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.

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