Today I received an absolutely hilarious "offer" in the mail for a credit card. The average credit card offer is silly enough (for the "average" consumer) -- "pay us 10% APR to borrow money from us, and we'll nickel-and-dime you to death on the fees as you go," but this one takes the cake. This is the kind of thing that people receive when they're just starting out -- newly-minted adults (18 years old, freshly allowed to sign legal contracts) who don't know any better. Still, I wanted to make sure First PREMIERE Bank (spelling and capitalization theirs -- I'm eager to ensure Google catches this opinion piece about them) gets all the attention and ridicule it deserves for actually trying to pull this shit on people. What makes me sick is thinking some people actually *fall* for this. This kind of trickery is exactly why the banks these days are discovering fewer and fewer of their customers can actually *pay* their debts. It's a sickening kind of money grab, and we're all beginning to turn into turnips.