DESCRIPTION: Track 3 - "CREDIT CARD" from the 1989 Midnight Records LP release by Herrera & the Handouts titled: "A Handout from a Cheepskate." The song was written by Jackson Weir III and has David John Herrera on vocals and guitars, Orin Portnoy on bass, and Bob Baker on drums. Also featuring Uncle Sydney guitarist Grec Pokorski on lead guitar along with Bobby Belfiore and Tony Matura (The Optic Nerve) on backing vocals