As it turns out, Clueless Clive is an internet gambling junkie. He’s up to his ears in debt from Guido, the loan shark who hangs out in the corner poolhall. Guido’s henchmen are threatening to break his kneecaps if he doesn’t pay NOW, so he uses his new credit card to get a cash advance. Within just a few months of getting his card, Clive Clueless’s balance is a whopping $3,200. Even if he never uses it again, it’s almost $100 a month in interest.