Johnny Stewart (Damon Wayans) is a lifelong con-man who meets a girl, Amber Evans (Stacey Dash), and tries to impress her by cleaning up his act and doing things the honest way. He becomes a mailroom clerk at the credit card firm where she works and soon finds that he needs money to impress Amber. So, he develops a scheme to commit identity theft with the credit card information of deceased cardholders that he has access to due to his mailroom position. He justifies his actions because he knows that he is only stealing from the company and not harming the individual cardholders.