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The meaning of the lyrics of the song "Credit Card Baby" by the artist "Wham!"

The song "Credit Card Baby" by Wham! depicts a relationship where the narrator feels used for his money by a materialistic girl. He is aware of her insincerity and sees through her act.

The song begins with the narrator reminiscing about the girl's declarations of love and need. He was initially smitten but soon realized her true intentions. He observes her flirting with others, understanding he's not the only one she manipulates.

He refers to her as "Credit Card Baby", highlighting her interest in his wealth. The narrator is willing to give her access to his credit card but pleads with her to keep her "red hot fingers" off his heart, implying it's not for sale. He sees through her façade, recognizing her tears as a ploy to get what she desires.

There's a sense of irony as people perceive him as lucky to be with such a beautiful girl, unaware of the truth. The narrator, tired of the charade, confronts her directly, acknowledging her materialistic motives and offering her money in exchange for dropping the pretense. He recognizes their relationship as a game they both play.

— Can also be interpreted as "Gold Digger"

You said that you loved me

And I thought that it was true

You said that you needed me

And baby I believed that too

I thought that you were shy

But you put me straight with a wink of your eye

I should've known better

Put my hands in my pockets every time I see you cry

People think you're just so sweet

But they don't know you quite like I do

I guess they think that I'm a lucky guy

But you're not fooling everybody

You can have my credit card baby

But keep your red hot fingers off of my heart lady

All I know is what I see

You're getting what you want

And girl it ain't just me

No matter how you cry

I'm not giving any love away...

Do you think I'm crazy?

All I know is what I see

And what can I do

When you pretend that you're in love

Don't say that you love me

Because I know that it's not true

Just tell me you need my money

Girl you know I'll give it to you

Between the ocean and the sky

There are things that you can't buy

And if you look you'll see

One of them is me

Take you hands out of my pockets

Digging till the day you die

People think you're just so sweet

But they don't know you quite like I do

I guess they think that I'm a lucky guy

But you're not fooling anybody

You can have my credit card baby

But keep your red hot fingers off of my heart lady

All I know is what I see

You're getting what you want

And girl it ain't just me

No matter how you cry

I'm not giving any love away...

Do you think I'm crazy?

All I know is what I see

And what can I do

When you pretend that you're in love

These are the things that you've made for yourself

You've gotta take your opportunities or stay on the shelf

You've gotta stay

Oh yeah

Well, that's OK

It's just a game that we play

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