Ladies and germs; the new low has been reached. Some bank in South Korea is rolling out a new credit card that will give clergymen breaks and bonus points on Bible purchases. You heard that right ... bonus points for the Good Book. Who knows ... maybe you'll save your Seoul in the process. I couldn't tell whether I wanted to laugh or cry when I read that.

Even if you're working for The Man Upstairs, this still isn't a deal. You never met a millionaire who said he made all his dough ... or salvation ... with the bonus points on his credit card account. I don't care what crazy deals you hear about; don't use debt to get ahead, because that'll only get you more behind, see? Bottom line; don't fall for ANY credit traps.