Luann by Greg Evans and Karen Evans for March 30, 2019

congratulations, Tiffany (note the no explanation mark)

I’m not surprised. My cat could get a credit card.

I HOPE that both Bernice and Dez tell Tiffany that a credit card is not free, she has to pay it back. Regardless, it would be a good learning experience.

Unless Tiffany makes some significant changes in her approach to life this could end badly. That being said, remember the distaf side of the GnK writing team, and I don’t see Karen taking Tiffany down the obvious path. If you’ll excuse the historical reference, the world awaits.

What…?!? Wait! Dez seems entirely delighted by this clueless euphoria. Me thinks she’s been drinking WAY too much of her own tea.

Looks like the whole “I’m dropping out of college” thing has been forgotten. Gee, who would’ve thunk that this strip would avoid upsetting the status quo? (Eye roll)

RUH ROH!

Sorry Kiddo. But your “epic fail” was being approved for that (no doubt, high interest) credit card.

And by the way Tiffany? Have you given any thought on how you’re going pay that credit card bill each month?

Surely not with just that laughable mere pittance of a salary you’re getting from Kidz First.

I’m getting the feeling you may long for that dishwasher job at the Fuse after you get the first bill from the card company……,

And you will pay the credit bill how?

A credit card does not a tycoon make.

(Old joke, from an earlier generation):

I CAN’T be broke….my cheque book still has more cheques left in it.

Who issued the credit card, Bank of Hooterville?

Dez, your winning streak ended with snake eyes.

Ummm….Tiffany? It is YOUR card…and dad will not be paying for you. He was paying for the card that Ann is monitoring you for. Every penny you spent on YOUR card, you have to pay back PLUS interest. That card your dad’s been paying is actually HIS card, HIS account and you have the secondary card from his account and he’s been paying for every item you bought on that card. Now you’re on your own. Knowing you can’t have TiffasNails just yet, and minimum wage at First 1st, you better accept the dishwasher job – pronto – to be able to pay next month’s bill.

Tiffany will think she’s solving all her problems by running out and buying high end clothing to fit her vision.

In frame 3, Tiffany’s plus size is not showing to her advantage. Tiff would do well to lose at least ten before going shopping.

Looks like a new arc coming after we visit Puddles on Sunday. I mean Tiffany will max out the card overnight – but it takes a few weeks for the statement to arrive.

This is how my sister’s failed life began. Getting her own credit card (and not earning sufficient income to afford her chosen lifestyle.)

“Dez is kind of Def” and I think Tiff is going to blow her card in a big shopping spree to calm her down. It’s her version of “comfort food.” (Oh Oh!) Stay tuned.

What… have… they… done?

We have had a 7 year car loan. No interest for 7 years, about 250 a month payment. It is finished in June and suddenly I have been pre approved for a 30000 line of credit at the bank.

Last panel expressions are just great! Dez is happy for Tiffany, Bernice is worried/speakless for Tiffany and tiffany do a Victory Dance. Now is time for Tiffany to do a lot of madness wit her own credit card, end very bad and start to do the dishwasher at The Fuse.

That achievement is more or less a participation trophy.

TIff as Nails looks like it was an earning business, Mordock

This looks like a turn for the worse. What do we have back there, Greg? Superego and id? Sorry Sigmund. ;o)

Well, I thought (briefly though it was) that Greg was going to let up on the Tiffany Torture Trail, but it seems not to be. Tiff will spend herself into trouble. OR Ann will be monitoring Tiff’s credit history, find out about the card and once again rain on Tiff panel 3 parade.

Some folks say I’m pessimistic. But you know what? Mostly I just can’t seem to keep up with Greg.

This does not bode well!

And while you’re at it, Tiffany, start brushing your teeth with chocolate syrup.

Credit cards are a convenience… not a source of money!

So Dez and Bernice stand at attention while the chunky cheerleader passes by.

Entrepreneurs often times have to take on some risk to start up. Without which, many of the businesses today just would not exist. Managed right she’ll pay that off in no time flat. Especially if she gains a partner and backers. No telling what could be accomplished.

Oh this is just so bad! I can’t etand seeing her dig herself a hole like this. Worst part is she is going to prove Ann right. Tiffany doesn’t know how to be wise with money. She does need censure. And her Dad, whether he is in money trouble or not is going to have a fit when he sees the bills piling up for her “business” expenses etc. etc.

everybody’s got to start somewhere.

I know that some credit card companies, specifically not mentioning the one run by the new owner of the Carolina Panthers, specialize in “high risk” customers. But how did Tiffany get approved with no income, and, the dorm at Muni as an address? I’m not a credit card company, and, I don’t play one in the comic strips, but Tiffany’s present financial status seems a “little” more than high risk to me.

I’m surprised Tiff didn’t pull a hamstring jumping up from the chair and hefting all that extra weight. First thing tiff needs to do is buy a gym membership.

Like I said at the top of this string of comments, don’t forget Karen has a lot of input here.

Here comes unfathomable dept.

And then comes the bill she can’t pay. Credit Cards area NOT FREE MONEY! The minimum payment never eliminates the balance.

For all the (accurate) complaints about credit cards, in my experience the real wolf is auto loans. By the time many teens get to driving age they assume they can get a loan for their dream car and everything will be roses. Six year loan, with the abyss of repossession hovering constantly, during the time their expenses rise the fastest and their jobs are iffy. Too many never even check the cost of full coverage auto insurance – a condition of the loan. Repossession leaves them with no car, mind-numbing residual debt, and wrecked credit.

This is not going to end well.

Of course she got approved, credit card companies LOVE college students who don’t understand debt. She probably didn’t even look at the interest rate, yearly fees or terms and conditions. Doubtless she’ll max it out the moment she gets it and face a large minimum payment every month with a double digit interest rate.

I got a credit card when I was in college. I was absolutely not ready to have a credit card. Luckily it was only a $500 max limit, but by the time I finally paid it off, that $500 had become $1000 after interest and penalties. Took me years before I felt comfortable owning a credit card again, but now while I use it for pretty much all my purchases so I earn rewards, I don’t view it as the free money I kinda did back then and I pay it off in full every month. Tiffany will be learning a hard lesson, and Dez is giving surprisingly terrible advice in encouraging her to get one.

a monster is born!

I’m sure the credit card will kill any chance of Tiffany ’s business getting off the ground!

Remember, she has never been taught how to manage money; until Ann came around, the money was always there!

What? I have to pay it BACK? It’s not FREE money?

Approved @33.3% interest AND if you miss a payment it increases to 49.9% AND if you miss another you “swim with the fishes” or worse Ann bails you out.

From the last panel, it doesn’t appear that Ann’s imposed austerity program has affected Tiff’s caloric intake.

Kiddo, the plan should be to make money first, then spend it— not the other way around.

Tiff you need a job to pay back the Credit Card.

You know that moment on a roller coaster where you think things are about to settle down, but then there’s a sudden loop or corkscrew turn? I find that to be a good analogy for where we are with this arc today.

Chances are, the terms are only slightly less bad than from a loan shark or a payday lender!

I am happy my beloved Tiffany is happy even though I suspect she will be unpleasantly surprised to discover she still has to pay for the purchases.

She reminds me of the kid who asks her mom for money, and when mom says she has none, the kid asks why she doesn’t just go to the machine at the bank and get some. Hey, now that I think of it, that is how governments work.

This has trouble written all over it. She needs to go to a thrift store for a power suit.

Like I said it is not surprising that her application for a credit card was approved, for the college student target market credit card companies employ the same strategy that drug dealers employ to hook new customer/addicts, give a nearly free sample of the drug, so the user becomes a user. So there is that. I don’t think that is the point though, although Tiffany is the worse possible person to extend any kind of credit to, particularly signature credit. She is used to using a piece of plastic like a sippy cup, instant gratification with no consequences, such as paying the debt created at every sip. But I am guessing this is really part of an arc that eventually makes her older, wiser, freer, and ultimately happier being able to put down the sippy cup, and be responsible for herself. At least I hope it does, Tycoon Tiffany. She must might…

Enjoy the moment. For now the cartoon says, “Hello, Dolly. It’s so nice to have you back where you belong.” But, tomorrow, the first lesson will be in Albatross Economics 101.

Credit Card companies don’t reject College Students.

Those are their favorite Victims. They can be Debt Milked For Years to come.

Okay… Now Bernice and Dez need to convince her to get a new part-time job so she can actually pay for what she wants. Let’s hope the salon is hiring…

With Tiff’s command of the language, maybe she means “Typhoon Tiffany.” What could possibly go wrong?

Credit cards are the spawn of the devil. Once you start, you never get out from under.

Tiff didn’t seem to have any love sick boys picking up the tab for her when she was at her high maintenance peak. Now what?

Does Tiff even have a bank account with $ in it? We can now see where this is going. If she hasn’t learned the concept of living within one’s means, this will do it.

Watch yourself, Tiff!

for 500.00

I’m guessing this will be the last episode of this arc. Then in a month, we will return to see Tiffany opening up her first monthly statement and bill for $1000.00, including fees.

Rejoicing at not failing to be approved for your own card is all well and good, but Tiffany must learn an entirely new lifestyle of self-discipline with the card. I hope this is possible, for I fear the worst….

this is a good learning experience for her

Someone should tell her she’ll have to pay it back…

One of my ex-gf’s daisy-chained 13 cards (cash advanced from the lowest apr.% rate card to pay the minimum on the next lowest, the next lowest pays the next lowest and so on..) When the chain collapsed, she moved cross-country back to her parents.

Why does Tiffany have to start out as owner? Can’t she just start out in someone’s shop, learn the trade, and then take any tests necessary for a license or certification? If I wanted to sell cars, I wouldn’t go right out and buy a dealership.

What is interesting is if she is still under 21 (assumption she is 18 or older), then she must prove she has a source of income. Othewise, she has to go to “daddy” to ante up for a secured credit card.

More like Typhoon Tiffany!!