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Got an 'invitation' in the mail today to apply for the "Prestigious" Visa Black Card.

It is "Luxury without limits" (not counting the credit limit of course)

It is "The ULTIMATE BUYING TOOL" (emphasis theirs)

The card is made of stainless steel and carbon fiber. (oooo shiny)

It is a privilege to be invited (according to the invitation).

And all this can be mine for a mere $495 a year for the first cardholder and $195 for each additional cardholder and a paltry 14.99% interest rate and 25.24% for cash advances. (APR goes to 30.24% if you are late with a payment according to

The lovely black cardstock made very pretty confetti in my shredder.

(Time magazine named it the #1 worst credit card available)
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