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         Chapter 12 - DEFINITIONS AND                                                                        WHAT DO “THEY” REALLY MEAN?                                                                                                                                                                                                                                                                                                                                                             

My observation comes from the point of view of someone who has dealt with thousands of hurting victims of the great credit card scam. These are individuals and families who have been suffering and struggling through financial slavery. It is an unbelievable reality that we are living in today’s modern society. 

The “they” in this chapter directly references the banking cartel and all their head honchos.

The “they” refers to the credit card executive heads. The “they” points out to the minds behind the scam and the investors in the various financial instruments that make up the financial monster.

The “they” is a laser beam focus on the thousands and the millions of financial individuals, where each of them is a piece of this super-colossal, money-making puzzle.

I break it down for you.

Each of them is a small, crooked piece of the overall financial scam puzzle.

Bad mood

Bad credit

“A term used to describe poor credit rating. Common practices that can damage a credit rating include making late payments, skipping payments, exceeding card limits, or declaring bankruptcy.

‘Bad Credit’ can result in being denied future credit.” (


What they really mean is this: “We are the perpetrators that created ‘credit classicism.’

If you do not meet certain standards that we have fabricated, we will make you feel like a second-class citizen. You will be looked down on by some, put to shame, embarrassed by others, put down, or even humiliated by others.”


Again, if, for whatever the circumstances of life, you currently have “bad credit,” please keep the proper perspective on this matter. If credit means “open door towards debt,” don’t feel bad or don’t feel less; indeed, don’t feel like a second-class citizen. Ever!


Now, you do not have a “wide open door” to fall into any more debt.


Remember: the higher the credit score, the wider the door is opened to fall into more debt.


“The term interest is used to describe the cost of using money, a right, share, or title in property.” (

What they really mean is this: "Yeah, yeah, yeah.

We have always known that the root word of this concept means 'the bite of a snake.' Very well said! Indeed, we are financial snakes, malefic, hurtful, poisonous, the best out there in the modern jungle world.

We feast on bite after bite after bite, from the endless millions who keep our well-to-do business flowing. We have other financial partners who smell the blood as we do: sharks, vampires, and leeches. We all glee at the licking off every drop of income

as we live by this, our nurturing food, money, more money, always more money."  

Close Up Model


“Being over-limit, or overlimit, refers to a cardholder account that has surpassed its credit limit with a transaction. When cardholders attempt to make purchases that will put them over their credit limit, the card issuer may decline the transactions or may charge consumers hefty over-limit fees.

Under the Credit CARD Act of 2009, consumers must ‘opt in’ to over-limit fees. Those who opt out would have their transactions rejected if they exceed their credit limits, thus avoiding over-limit fees. Fees cannot exceed the amount of overspending. For example, going $20 over

the limit cannot have a fee of more than $20.” (

What they really mean is this: "Penalties, fees, and disciplines will be imposed on those who get out of line. We add money infractions to whip our slaves with yet more of their money granted over to us.


We have already accepted that we are abusive, and that is just who we are. We are experts at being cruel to those who come to us for help. We are the delinquent ones, yes, and for that, we do not excuse ourselves. Injustice is our brother, and unfairness is our sister, oppression, our big bully brother, and exploitation is our father."  

Enjoying the Pool

Reward card

”A credit card carrying an incentive or ‘reward’ for use, typically involving cash back, merchandise discounts or frequent flyer points. Many different reward schemes have evolved to encourage particular uses, such as grocery or dining

purchases or travel.” (


What they really mean is this: "Some decades ago we came out with this genius, attractive product.         We first launched it to lure new customers into our scam. And, secondly, we did it to retain them.                           

We have been so pleasantly surprised! Millions of them have gotten pinned down by our gimmick.                        

More to our surprise is this. Millions of them, even though they may 'max out' their cards or, to their stressful money suffocation (not being able to afford them), hold on to them tightly, self-diluted, never to let them go!


What is behind driving their behavior of being in denial? The rewards and the points.  


Broke fools! But we would not dare complain.

We love it this way, and we love them just where they are at with their most appreciated credit cards."

Palm Trees Beach View
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