because uh boy i know people who kids people right out of college the credit card people like to get you because because they uh they spend they use the credit cards real easily and real freely and then they get in real  trouble
It's hard to get in trouble with a credit card. 
mnli hypothesis: It's hard to get in trouble with a credit card.  premise: because uh boy i know people who kids people right out of college the credit card people like to get you because because they uh they spend they use the credit cards real easily and real freely and then they get in real  trouble