There was nothing unusual about the credit card pitch on the outside of the envelope. You've gotten dozens of them over the years, perhaps even hundreds, and they all look or sound about the same: an initial low interest rate, perhaps some airline miles, perhaps even the promise of "no annual fee," which always amuses me. How nice of the credit card company not to charge us for the privilege of using the card on which they make money.
There was even the option of choosing one of 15 credit card designs, which included an image of wild horses, an eagle, roses and the U.S. Constitution.
No, there was nothing unusual about the pitch except one element: It was sent to my son, Roy.
Roy is a smart kid, but to any teen, this offer could be enticing: no interest until April 2011, no annual fee and no liability, if the card is used after it is lost or stolen.