After a string of small-time scams, Johnny Stewart (Damon Wayans) finally decides to go legit when he meets the woman of his dreams. 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 are on the 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.