Warning: This guide is not for the faint of heart. It's a wild ride of overspending, overdrafts, and utter financial ruin.
Step 1: Get a credit card with a low limit (less than $100).
Step 2: Immediately max out the card. Buy a bunch of useless stuff you don't need.
Step 3: Forget you have the card. Let it sit in your wallet, gathering dust.
Step 4: Receive a mysterious letter from the bank saying you've been flagged for suspicious activity.
Learn more about the Overdraft Nightmare in Step 5
And don't even get started on the Debt Collector Drama in Step 6