After a string of small time scams, Johnny Stewart(Damon Wayans), finally decides to go legit when he meets the women of his dreams(Stacy Dash). Following her into the Dynasty Credit Card offices , he quickly accepts a low-level job in the mailroom. But the temptation of free money- in the form of returned credit cards- is more temptation then he can resist, and soon he and his little brother(Marlon Wayans)are on the hilarious shopping spree of a lifetime. When a corrupt executive discovers what Johnny is doing, he blackmails him into a dangerous fraud scheme that threatens not only his credit rating , but his life.
