June 6, 2012
-- Ronald Woodruff is in his early twenties when a pre-approved credit card takes him by surprise. Everyone loves free money and that is exactly what Ronald thinks of his new credit card, Free Money. Things that seemed lovable but unaffordable suddenly seemed to fall on his lap. The first time Ronald calls up Blue Bank, an Indian voice greets him. He is surprised but couldn't care less. A late fee introduces itself to Ronald through his phone call. Ronald had no idea that such a thing existed. He thought he could pay when it suited him. That was the moment of baptism. Baptism why? Because, a late fee is only the beginning of a million disasters to come in the form of increased rate of interest, bad credit rating and ultimately no further credit approval. Ronald knew none of this. The functioning of the credit card industry, something that an average American deals with day in and day out, should seem exciting but not when they receive the answers they do over the phone. What is the real meaning behind scripted words, "May I place your call on hold?" Read if you will, 'Pandora's Box,' will open up to enlighten, educate and disgust you. It's an absolute true story with fictitious characters. You'll keep guessing the bank involved here...
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