COOL SPRINGS, TN - Popular financial guru Dave Ramsey announced Tuesday that he has teamed up with financial services corporation Visa to offer an exciting new credit card with a credit line of up to zero dollars for everyone.

"What's great about the official Dave Ramsey card is that it always gets declined," Ramsey said on his radio program. "Try to buy a new fishing reel? Declined. Try to book a family vacation you can't afford? Declined. Replace a shredded tire you failed to budget for? Yup, you guessed it - declined."

According to Ramsey, the new card also offers rewards points, giving 0% back on all food and gas purchases and 0% back when used and declined for purchases at online retailers like Amazon and eBay.

Ramsey also noted that the new cards will be made of a special, cut-resistant plastic, in case users are overcome with a desire to shear it in half with a large pair of scissors.