Small-time crook Johnny Stewart (Damon Wayans) decides to go straight to win a beautiful girl (Stacey Dash), and to prove it, he joins the mailroom of the credit-card firm for which she works. Needing money to impress her, Johnny steals a credit card, goes on a shopping spree and wins the girl. The story isn't over though, because a security guard who caught his theft on videotape is blackmailing Stewart to join his own credit-card ring.