Every great marketer knows that to be really successful, you need to hook your target market when they’re young. From Joe Camel hawking smokes to the “first one’s free” approach used by Marcelo (my local purveyor of street-grade recreational pharmaceuticals) it’s a time-honored and proven approach to building a client base for life.

Now the debt-industrial complex has it’s own cant-miss program featuring its own cute and cuddly character standing ready to teach the kiddies about the joys of spending money you don’t have. Please allow me to introduce you to (drumroll, please) Kwedit.com.

Kwedit is a new service that allows users to purchase online goods and services without a credit or debit card.

When a game or other site offers Kwedit Promise, they will deliver virtual goods immediately in exchange for a promise to pay for them later. Sites determine how much Kwedit to offer to use right away to buy things.

When someone accepts a Promise to pay, they are allowed a few days to pay off your Promise. Here’s where it gets even more fun – you then get to manage your Kwedit score. Yes, your Kwedit score.

If you pay your Promise on time, your Kwedit score rises, and the next time you play, you may get a larger Kwedit allowance on this and other Kwedit-powered games.

The site’s owners take pains to say that Kwedit Promise is not for children, but instead a service for adults and teens, 13 and older. That’s a big relief, recognizing that financially savvy and fiscally prudent young teenagers are. Unlike, you know, children.

This sounds very similar to the tobacco companies and candy cigarette purveyors.  Not for kids, seriously, we mean it. Never mind the cute duck, bright colors and section devoted to reassuring parents.

And if those teens can’t pay, they can hit up those parents to get them off the hook and pay on their behalf using the “Pass the Duck” feature.  The adults can then break out the credit or debit card to pay.

On a positive note, Kwedit does not charge any vig for Kwedit Promise, perhaps because that would actually be illegal where minors are concerned and regulated for everyone else.

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