Credit Card Baby
Wham! Lyrics


Jump to: Overall Meaning ↴  Line by Line Meaning ↴

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.

[Chorus]
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 with me baby?

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.

[Chorus]

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.

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 with me baby?

Overall Meaning

The song Credit Card Baby by Wham! is about a man who is in a one-sided relationship with a woman who only seems to be interested in his money. The man thought that the woman loved him and needed him because she said so, but he soon realized that she was just using him for his financial stability. He notes that people see her as sweet, but he knows that she is not what she seems. Despite his realization, he continues to give her money, but he refuses to let her touch his heart since he knows that her feelings for him are not genuine.


The lyrics suggest that the woman is manipulative and has found a way to take advantage of the man's feelings for her. The man questions her love for him and notes that there are things that money cannot buy, such as real love and affection. He tells her to keep her "red hot fingers" off his heart, indicating that he is wary of getting too close to her. He acknowledges that giving her money is not going to make her love him and that she is pretending to be in love with him just to get his money.


Ultimately, the song serves as a warning against getting involved with people who are only interested in financial gain. It highlights the dangers of becoming so infatuated with someone that you fail to see their true intentions.


Line by Line Meaning

You said that you loved me,
The person told the singer that they loved them.


And I thought that it was true.
The singer believed the person's words to be true.


You said that you needed me,
The person claimed to need the singer.


And baby I believed that too.
The singer believed the person's claim.


I thought that you were shy,
The singer thought the person was shy.


But you put me straight with a wink of your eye.
The person proved that they were not shy with a suggestive wink.


I should've known better,
The singer admits they were naive.


Put my hands in my pockets every time I see you cry.
When the person cries, the singer knows they're trying to manipulate them into giving money.


People think you're just so sweet,
Others find the person charming.


But they don't know you quite like I do.
The singer has seen through the person's facade.


I guess they think that I'm a lucky guy,
Others envy the singer's relationship with the person.


But you're not fooling everybody.
The singer knows the person's true nature.


You can have my credit card baby,
The singer is willing to financially support the person.


But keep your red hot fingers off of my heart lady.
The singer doesn't want to emotionally invest in the person.


All I know is what I see,
The singer is judging the person based on their actions and behavior.


You're getting what you want and girl it ain't just me.
The person is using the singer for their money and possibly other people too.


No matter how you cry,
The person's tears won't change the singer's decision to not give love.


I'm not giving any love away...
The singer won't emotionally invest in the person.


Do you think I'm crazy?
The singer questions whether their decision is irrational.


And what can I do
The singer feels stuck in the situation.


When you pretend that you're in love with me baby?
The singer knows the person is only pretending to be in love and is using them for their money.


Don't say that you love me,
The singer doesn't want to hear the person's insincere words.


Because I know that it's not true.
The singer knows the person's words are not genuine.


Just tell me you need my money,
The singer wants the person to be honest about their intentions.


Girl you know I'll give it to you.
The singer is willing to financially support the person.


Between the ocean and the sky
A metaphorical space where values cannot be bought with money.


There are things that you can't buy.
Some things cannot be obtained with money.


And if you look you'll see
If the person looks beyond money, they will realize what they're missing out on.


One of them is me.
The singer is one of the things that money can't buy.


Take you hands out of my pockets
Stop trying to take advantage of the singer financially.


Digging till the day you die.
The person will always be trying to get money from the singer even if it ruins their relationship.


These are the things that you've made for yourself,
The person has created their own situation through their actions.


You've gotta take your opportunities or stay on the shelf.
The person can either change their ways or miss out on opportunities (including the singer's financial support).


It's just a game that we play.
The relationship feels like a game to the singer because the person is not truly invested in them.


And what can I do
The singer feels powerless to change the person's behavior.


When you pretend that you're in love with me baby?
The person is pretending to be in a loving relationship for their own financial gain.




Lyrics © Warner Chappell Music, Inc.
Written by: GEORGE MICHAEL

Lyrics Licensed & Provided by LyricFind
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Comments from YouTube:

@TheSunnybunny2000

George Michaels voice is the best of all time

@vusumuzikunene4624

Make It Big is still my favorite album. I still remember George and Andrew while they were still together. May his soul rest in peace

@courregeaaron947

what are your favorite songs on this album?

@themodster68

Used to play this over n over again........back in 84! Catchy as hell.......awwww George 💔

@ahmedbassiouny8456

Make it big, Faith and Listen without prejudice are my favourite albums of George

@marciesinger9756

No Edge of Heaven? Wow

@unknown8913

@@marciesinger9756 isnt it in make it big album?

@Sofia-The-First

@@marciesinger9756 Edge of Heaven wasn’t an album. It was a single on the The Final album.

@urmum3299

Fantastic?

@yougm-bq4wl

You meen wham ! 👌😸

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