the End of the World and Your Credit
By Stewart Griffen
On December 21, 2012 the world as we know it
is going to come to an end.*
it will be total Armageddon or a major social
upheaval or if it will be perpetrated by an inescapable
natural event or will be the result of our own
doing, no one knows. Regardless of the details
the prospect of the end of days begs one important
How will this affect my credit?
A human extinction scenario opens exciting financial
possibilities for the average American to maximize
their capital resources. Best of all you don’t
need any business skills; everything you need
is already in your wallet and waiting for you
in your mailbox.
Most Americans have dreams that they believe
they will never be able to achieve because of
financial limitations. They already have debt
they are frantically trying to pay off and many
fear everyday for their financial futures. But
if you consider that 2012 is merely half a decade
away you really do not have a financial future
So how can you live your dreams before
The amount of available credit you have is commonly
referred to as “potential debt” and
is considered to be a bad thing. However with
the impending extermination of mankind it now
becomes “potential wealth” and is
your key to living your dreams.
The first step is to take all of those credit
cards you have hidden away out again and start
spending. Also stop tossing all those credit card
offers in the trash and take them up on their
generosity regardless of interest rates. Every
new card is more potential wealth.
The next step is to reduce the amount you are
paying back to the minimum payments. This alone
can put hundreds of dollars back in your pocket.
But don’t get overzealous and stop paying
altogether. If you do not make at least the minimum
payments you are in violation of your credit agreements
and your creditors can cut you off. You don’t
want that yet.
Finally take advantage of those courtesy checks
that are attached to your monthly statements as
well as cash advances. Not only are they great
for situations that you cannot use credit cards
you can use them to pay one card with another
keeping even more cash in your pocket.
The important thing is to pace yourself, if you
do too much at once you will raise red flags and
again your creditors will cut you off. Eventually
however even your minimum payments are going to
become burdensome. At this point you can simply
stop paying, very soon after your creditors will
cut you off but if you were a savvy credit user
you should have been able to take advantage of
around 80% of your credit. For the average American
this can be upwards of $40,000.
But what if the end does not come?
There is always the potential that this, like
in the past, is a false alarm and life will carry
on as usual. Not to worry, even if the end does
not come your credit resets itself every seven
years, so depending on when you reached critical
mass you simple have to wait a couple of years
and start over.
But it is unlikely that this will happen, 1999
and 2001 were both false alarms so the third times
a charm as they say. The real question is how
foolish will you feel if the conclusion to mankind
is near and the only thing you accomplished in
your final days was maintaining your 720 credit
*According to some interpretations of the Mesoamerican
Long Count calendar used by the Maya civilization
of pre-Columbian Mesoamerica the Mayan system
is believed to predict the beginning and/or end
of a major cycle in history, the “end of
the world,” or the “dawning of a new
age” on or around the period of time surrounding
December 21, 2012. The significance of this period-ending
to the pre-Columbian Maya themselves is unclear
however, it is conjectured that this may represent
in the Maya belief system a transition from the
current Creation world into the next.
**This article is written as a work of fiction.
Sylk Magazine has neither conformed or disproved
the end times and is not responsible for damages,
financial or otherwise, incurred from following
the advice in this article. Some actions described
above could constitute credit fraud, Sylk Magazine
does not advocate credit card fraud or any other
illegal financial activities and warns that following
the information set forth in this article could
cause irreparable damage to your credit and is
On the other hand… What if the
world was ending?