Con man Johnny Stewart (Damon Wayans) decides to change his ways, hoping to impress a girl named Amber (Stacey Dash), who works at a credit card company. Johnny takes a job in the mailroom, but the prospects of getting rich quickly are just too tempting. Joined by his brother (Marlon Wayans), Johnny cooks up a scheme to steal the identities of deceased cardholders -- but the guys soon find themselves way in over their heads.