I hadn't really looked at this commercials as, "Hey lets cheat the credit card company!", but more of a thing targeted to financially irresponsible dillweeds, and a sign that there must be alot of them if their making commercials like this. Fallout from the "instant gratification" society i suppose.
My ex was terrible. Every christmas, she'd put her self 1500 to 2000 dollars in the hole buying gifts. Not to mention Payday loan's (aka loan sharks), multiple credit cards, etc. It's all a vicious circle, and downward spiral when someone refuses to man up, and endure the hardships that being a financially irresponsible, consumerist schmuck, and shopohaulic brings.
Yeah, i know EXACTLY who those commercials are targeted at. People like my ex.
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