We go to work, we chat with our co-workers, we go home, and then we get up and do it all again. Such is the life for our simple main character Terrance. That is, until he receives a mysterious black credit card in the mail. However, as we all know, one should read the small print to know what one might be getting themselves into. Thus begins Terrence’s date with what can only be described as creditors from hell. With a nod to Lynch and Kubrick, Holbrook’s direction is both calm, funny, and unnerving.