It has happened, ladies and germs. Discover Card has actually caught Dave Ramsey fever and made a commercial where all the joes and jills are doing plasectomies! Don't believe me? Check out the commercial on their own Web site! The spot talks about getting rid of all that you don't like about credit cards. For me, it's the "credit" part, jack.

The funniest part of the commercial? How Discover talks about cutting up all the plastic that you own ... except your Discover card! It's like saying 'Don't fall for all those other cheap credit card gimmicks ... just ours.'

You've heard what Dave Ramsey and DT say about all this ... the only good credit card is no card. Cut 'em up, toss 'em out and close 'em down, baby. Plastic companies talk about how their cards bring you freedom. It don't happen that way. Cards are the quickest way to get chains wrapped around you and keep you from enjoying life. Get on a budget, know that collectors won't call you, and sleep like a baby, baby.