Terrence Mackleby is an earnest but not-so-bright man who may have killed his girlfriend when he was a boy. He is now a grown-up who works at a warehouse with Lucy the wallflower, Edith the conspiracy theorist, and Lee, who plays cribbage and is creeped out by the conspiracy theorist after making the mistake of sleeping with her. Terrence has just declared bankruptcy due to his overwhelming credit card debt. After going on a date with Lucy the wallflower, he receives an offer for a special credit card with a 4% interest rate, which he gets and uses to buy a new car. Soon after, he starts seeing shadowy tall men following him, and he is fired from his job by his boss, who is sporting some new bruises on his face. To add to his desperate situation, he learns that the terms of his new credit card are not what they seem, and he starts to see and hear some really strange things.
While this is a little slow, and certainly over-long at 2 hours and 13 minutes, it’s still an entertaining slice of whimsical dark humor. The atmosphere is stylish, the acting is good, and the concept is original. Worth a watch for those that enjoy a more cerebral, psychological horror film.