EA released their newest expansion pack this week titled, The Sims: Credit Card. This revolutionary expansion pack brings your Sims as you’ve never seen them before. Now you can carry them around with you and relive the joys of Credit Card Debt in REAL LIFE! Ooooh! Experience hassling phone calls from debt collectors as you show off your pretty new maxed out The Sims™ card to everyone..
EA? What the hell is this? Why is this even being advertised? We know credit cards from stores are the worst. I think its the wrong type of product to expose to teenagers at this level. I’d rather this be an in-game item because quite frankly, your really scaring me now. I’m not even sure who exactly your targeting with this card? Women ages 18-24? Men ages 13-18? When something like this comes up the best way to work around it and make things better for everyone is to have a co-promotion with the big name credit card companies, ex. Chase, Discover, Capital One… Just let them choose a card design and be on their way.
Well we can’t have a parody post without actual factual details of this credit card, lets read the fine print. First off EA assumes no responsibility in controlling the terms and conditions for this card. So don’t think EA’s friendly tech support will call you when your late on a payment. Its all handled FIA Card services, we’re with the big boys now! Well the Default APR Rate is 18.24%, this instantly tells me its targeting college students, why you may ask? Because most of the time the APR rate starts at 0% then goes up to that after 6 months. Now look what happens when your late on a payment, the APR rate goes up to 29.99%. Mmm smell your money go bye bye! On the signup page, they boldly highlight this 4.9% APR and it sure does look pretty but guess what thats for, Cash Advance Checks, and Balance Transfers only, NOT PURCHASES. Ya so pretty much, the average college student won’t use those features. Unfortunately this 4.9% APR lasts only 6 months! Gasp! This sounds like those Cable and Satellite provider commercials, we’re only cheap for 6 months after that your on your own! So basically your stuck with 18.24% VARIABLE rate, Y’all better pay your credit card bills on time or its harassing phone calls for you!
The moral of this story is, this credit card isn’t different from all the other college credit cards out there. Your first credit card will always be stinky, and there’s no way around it. Would I recommend you sign up to it? Well its your decision but if you do, follow this advice. Don’t buy college books with it, Don’t buy Mp3 players with it, and Don’t buy anything costing more than $60 dollars. See this card wants to game you into high interest rates, cause they know college students don’t ever have a stable source of income. So here’s how we can get back at them! Use the card until you owe around $60. Next pay back the MINIMUM payment needed! Don’t pay the full amount back because its not going to improve your credit score at all. Pay back the minimum on time every month! Rinse Lather, and Repeat! After you do this for a year, your credit score can improve enough to the point where other credit card companies will beg you to join their Platinum ranks!
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