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Setting the Stage

Phoenix cannot believe what is in front of his eyes. You would think a bank statement would not make such an impact on a person, but this one does. The statement from PDXO Financial Bank informs Phoenix that his credit card rate has just gone up to 29% because he was late one payment. With an interest rate like this, Phoenix has little hope of ever paying off his $12,000 balance. In his frustration Phoenix begins to plot a way to get back at the bank.

At first Phoenix thinks he will hack into the bank and obliterate his credit card debt. This, however, might be too obvious and raise too much suspicion. Instead, he must find a way to pay off his debt without making it appear like ...

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