Half a croissant, on a plate, with a sign in front of it saying '50c'
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Credit Card With Graphic Warnings About Debt

Like when they put pictures of cancerous lungs on cigarette packages.
  [vote for,

This would have to be mandated by law because the credit card companies won't do this themselves.

Slogans like "Debt Is Slavery" or "While You Get Poorer, You're Making The Rich Richer", and graphic representations like a picture of a person in bondage, stooped back carrying a cigar chomping Monopoly man on his back, the top hat wearing bad guy laughing and holding a bag of money up over his head. (The bag of money signified by a dollar sign on the side of course.)

Got the idea by the credit card in my wallet that I try to never use that's called the Chase "Freedom" card.

Credit is necessary sometimes, started my first business with a stack of credit cards, but it can, and does ruin lives. Although government doesn't hold as many solutions to life's problems as the politicians would lead you to believe, the cigarette cancer pictures and this are one area where a harmless little reminder law could be a good thing.

You could have each message punctuated by a skull and crossbones logo where the eyes are money signs and the bones are skull arms holding money bags labeled "CREDIT". Give it a top-hat too that says. "28%".

doctorremulac3, Mar 23 2019

Stuff like this: https://www.google....st=1553951330164688
[doctorremulac3, Mar 29 2019]


       Companies engaged in consumer facing lending / credit activities are in the UK required by the Financial Conduct Authority to provide information and warnings about lending. I'd be surprised if there wasn't a similar set of requirements for the same sort of activities in the US.
calum, Mar 23 2019

       OH yea, we've got the fine print disclaimers at the end of ads showing young people having a great time on credit. Not saying that using credit makes you beautiful and happy, but just look at these hip fun havin' travelers!   

       Same thing they used to have with cigarettes, fine print nobody reads.
doctorremulac3, Mar 23 2019

       // Marketing products depicting low life scum is big business.//   

       <Googles for "Jeremy Corbyn arse-scratcher" />   

       // provide information and warnings about lending //   

       "If you borrow money today, you will have to pay back a lot more than you borrowed in the future" ?   

       Do governments ever read warnings like that ? Ever?
8th of 7, Mar 23 2019

       No, but since the more appropriate warning on government spending would be the one below, I don't think it would do much good:   

       "Warning, running up tax payer debt for something that garners you acclaim that won't have to be paid for till after you retire from office a multi millionaire can lead to prestige, personal wealth and millions of sycophantic followers."
doctorremulac3, Mar 23 2019

       // This would have to be mandated by law because the credit card companies won't do this themselves. //   

       Have you heard that Apple just the other day launched a credit card (made of titanium) intended to "help people lead healthier financial lives"? (No, I didn't believe it at first either.) It doesn't do this, but it does do other stuff like help you pay off your credit card debt with minimal interest (i.e. the opposite of what every other credit card provider does). It's only available to iPhone users in the US currently, so it's not going to directly help most people, but I'm hoping it will put pressure on other companies to provide similar things that will help more people.
notexactly, Mar 28 2019

       Well that might be a step in the right direction but people shouldn't get in debt for anything other than a house if at all possible in my opinion.   

       Addiction to anything be it a substance or a financially un-tenable lifestyle is a bad thing. Heroin, donuts, donuts with heroin in them...   



       Addictions are a bad thing. Unless it's coffee. Coffee is good.
doctorremulac3, Mar 28 2019

       I am unable to find a flaw in this idea.
21 Quest, Mar 29 2019

       Sadly, that tells us more about your capability for critical thinking than the quality of the concept ...
8th of 7, Mar 29 2019

       Where would these warnings appear? On the little you-pay- this-much screen at checkout, on your statement or perhaps on the card itself?
whatrock, Mar 29 2019

       I was just thinking of having something prominantely printed on the card itself but that's a good idea. All three. There would be no such warning on your ATM card of course, and at some point there might be a bit of embarrasment that goes along with buying somethign on credit.   

       Art idea 3: A cigar chomping, top hat wearing pig clutching two bags marked "Your Hard Earned Money". Not sure how you clutch stuff with hooves though. Too bad rich people don't wear top hats any more. They dress casually to fit in, sneaky bastards. But seriously, rich people who made their own fortunes are awesome, I'm just capping on the autocratic money/political class that makes its living saddling people with debt.   

       Don't have anything against top hats either. They're actually kind of cool. I also like pigs.
doctorremulac3, Mar 29 2019

       // Where would these warnings appear? //   

       Maybe the baliffs could read them out to you when they csll to take your stuff away?
8th of 7, Mar 29 2019


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