Speaking of Tricks!
Okay, we were pretty tricky when it came to the free ringtones scam, right? You know, you trusted us without thinking, and clicked on the "free ringtones" button, and bingo, we had you.
Well, that trick is nothing like the trick a lot of credit card companies pull on people our age. In fact, I'll bet you already know someone your age who has messed up using credit cards, right?
Why did they mess up? Were they stupid?