After a string of small-time scams, Johnny Stewart (Damon Wayans) finally decides to go legit when he meets the woman of his dreams (Stacy Dash). Following her into the Dynasty Credit Card offices, he quickly accepts a low-level job in the mailroom. But the temptation of "free" money - in the form of returned credit cards - is more temptation than Johnny can resist, and soon he and his little brother Seymour Stewart (Marlon Wayans), are on the hilarious shopping spree of a lifetime. When a corrupt executive finds out, he blackmails Johnny into a dangerous fraud scheme that threatens not only his credit rating, but his life.
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