When Lucy's aunt gives her a card--the plastic kind--for her birthday, Lucy knows just the blinged-out sweatshirt to spend it on. She plunks the card down at the store, but, cringe, it comes up short! Wait, what's the difference between a gift card and a credit card? In this early chapter book designed to help kids decipher finance facts and fallacies, Lucy and her best friend, Julian, find out about the pros and cons of gift cards versus credit cards.