Learn about the dangers and benefits of credit cards. This song is off of Smart Songs' album Trip to Wall Street.
Lyrics:
Chorus
Plastic money, p-p-p-plastic money
P-p-p-plas-p-p-plas-p-p-plastic money, money
P-plastic money, p-p-p-plastic money
P-p-p-p-p-p-p-p-p-p-p-plastic money
Verse 1: Credit Cards
I swipe the strip on my credit card, it's a magnetic bar
Slide it through the machine to see if my credit is clean
If it is, I'm in business, the salesman he gives me this
Receipt to sign that says:
I will repay what I bought at the store
It was a new microphone I took home to record
I only charge on my card what I know I'll afford
'Cause if I don't pay it all in a month, I'll owe more
They'll start charging interest, on top of what I owe
The longer I don't pay it off, my debt will grow
Break it down more
Let's talk about credit score
Each month they send a bill in the mail or online
If I don't pay the minimum, I'm hit with a fine
Plus my credit score suffers-that's like my record
And it's difficult to borrow
Once my history's checkered
Plastic money, feels like magic magic
Anything you imagine you need, you just grab it
But it's not fake, it's real money we're talking about
Once you get in debt, then it's difficult to get you out
Chorus (x2)
Verse 2: Credit vs. Debit
In my wallet, I've got a couple cards to choose from
Both are plastic, just different way to use funds
One is based on credit, the other used to debit
I'll break them both down
By the end I know you'll get it
With some credit cards, you can sign up for rewards
Try to earn points only when you can afford
To buy things you need like gas and groceries
Pay it back monthly, avoid any fees
Every dollar spent may earn a point or more
With enough points, you can use them in the store
That's part of an online credit account
How many points do I have? Let me find out
But if you don't want to borrow money you'll owe
Use a debit card for the things that you know
Your checking account has the money to pay for
Be careful not to spend over, it'll cost way more
The bank will charge what's an overdraft fee
These types of mistakes can be very costly
Chorus
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Smart Songs - Hip Hop that Teaches!
Lyrics by Shoeless Jeff & Scott Free
Ft. Aaron Smith (Magician), Dennis King (Salesman), & Marc Antonio Pritchett (Himself)
Beat by John Della Morte
Mixing &Mastering by Marc Antonio Pritchett
Videography by James Mills & Tim McCombe (Secondary Shots by Marcus Johannes)