Credit card blues

(

(Verse 1)

I’m so far behind, behind the eight-ball

Got a stack of plastic, standing like a brick wall

I try to pay, but then the phone rings

And something happens, and I charge more things

Oh no, I just cannot pay…

(Chorus)

What have I done? (Cha-ching!)

Did I mean to? No, I did not…

I tried to pay them, and then something happened

And I charged a little more on the spot!

These damn credit cards, they’re gonna take…

Take more than I got!

(Verse 2)

Minimum payment, that’s a funny phrase

It’s just the interest, in a hungry haze

Swipes so easy, the future’s cost

Now the statement comes, and the money’s lost

Oh no, I just cannot pay…

(Chorus)

What have I done? (Cha-ching!)

Did I mean to? No, I did not…

I tried to pay them, and then something happened

And I charged a little more on the spot!

These damn credit cards, they’re gonna take…

Take more than I got!

(Bridge)

It’s a silent partner, with a APR smile

Drowning in plastic, mile after mile

A chase I’m losing, a race I can’t win…

Diggin’ a hole with the money I’m in.

(Guitar solo - short, spiraling, and slightly dissonant, full of financial despair)

(Outro - music fades to just a slow, ticking hi-hat and bass note)

Take more than I got… (tick, tick)

Take more than I got… (tick, tick)

What have I done…

(Track ends with the sound of a card being sliced through a reader: BEEP. Then silence.)

(Spoken, calmly over the silence)

If this feels real, consider talking to a non-profit credit counselor. You can find a way out.