JOAN says Scots are being pressurised to spend more than they can afford at Christmas and are easily exploited by credit card and payday loan companies.
THE advert says: “THE only Christmas card you’ll need”.
Do they mean the handmade one wee Jamie brings home from nursery, every splatter of glue and glitter full of love?
Err, no… The “Christmas card” referred to in the ad I spotted yesterday is a Platinum MasterCard.
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