My ad is intended for the target age group of people in need of money. Mainly college students, recent graduates, and maybe the established business professional. I truly believe in not using credit cards because theyre nothing but trouble. If youre not responsible, lack judgement, and are even impulusive before you know it credit card bills can rob you for everything you worked hard to get. Thats where I got the concept for the ad. Credit is not cash and yes you dont have to pay it back right away, but soon enough you’ll have to pay that credit off with cash anyway.