The Grim Reaper is processing dead people, each arriving
with coins over their eyes, which he collects as payment for ferrying them to
the afterlife. But one dead body arrives not with coins over the eyes, but with
a credit card on her forehead (the woman looks to be maybe thirtysomething: too
young to be dead), and the Grim Reaper picks the card up, thinks for a minute,
and then has a brainwave: he wakes the person up, and they go on a fun-filled
day, eating a nice lunch, shopping for shoes, going to the movies, and they
charge everything to the card. And the Grim Reaper has so much fun that he
decides to let the woman live, and she goes back home to her family. Then the
announcer says the card has many rewards, and can have some unexpected
benefits, bringing new life to your social life and shopping experience.
(Of course, the problem with this approach is that if the
Grim Reaper has too much fun with this credit card experience, he may kill
people early if they have this particular credit card so he can use it. But
even so, this would make a fun Halloween ad for a credit card, I think; and it
certainly would be different.)