tonight on "nightline" -- money talks. if you're still reeling from holiday spending, you are not alone. money guru suze orman is not letting you off the hook. tonight, the danger signs lurking in your wallet. why you should take your debit card off the grid. bro-tox. it's a hot ticket item for men. they're not the ones picking up the tab. we'll tell you why so many wives and girlfriends are shelling out big buck, to send their man under the knife. and what the hell? it grossed around $34 million in one weekend, but "the devil inside" is already being ul kaed the worst movie of 2012.

how can a film so cheap to make and so horrendously reviewed be so incredibly profitable? good evening, all. i'm bill weir. if the cost of decking the halls last month has your ducking your credit card bill, oh, you're not alone. consumer borrowing in america is back to a pace we've not seen in ten years. pumping up total credit card debt to almost $800 billion. enter personal finance guru suze orman with a dose of her signature tough love and something else. a new kind of plastic. here she is with my colleague juju chang. >> hi, sweetheart. >> reporter: here at the garden state plaza mall in paramus, nog -- >> promise me you're not going

to buy a thing today. >> oh. >> reporter: suze orman is helping shoppers recover from their holiday hangovers. >> $20 each -- >> reporter: raging against credit card debt and overspending. >> do you have credit card debt? all the presents you bought for everybody could be the money you fix your car with. >> you're stressing me out. >> why are you buying a gift for somebody when you have credit card debt? >> reporter: he has credit card debt. she made the mistake of cashing in her 401k. >> do you not watch my show where i would have yelled at you for taking money from a 401k plan? >> i lost my mind. >> why? >> he wanted me to be happy. >> reporter: it's no holds barred with suze. and whatever you do, don't let her peek inside your wallet. >> look at this. macy's, lord and taylor,

nordstrom. >> reporter: what can you tell from a person's wallet? >> if a person has a wallet or purse that has all the money krufrmged up, they don't respect money. if you can't respect money, it means you have credit card debt. >> reporter: oh, interesting. these days, suze's real mission, turning her firepower against a surprising new target, debit card. >> what are the fees? >> i don't know. >> how much do you pay every month? >> i don't know. >> do you know the fees of those cards? no. you just use them and don't know if they charge you or not. >> reporter: high monthly charges, fees for every transaction, including atms. she says the pitfalls are endless. today she's launching her own debit card which is fully transparent. no hidden fees. just $3 a month. it's a prepaid card which means you can only spend what you put in. no danger of overdraft charges. >> you are not charged every time you use your card. you're not charged every teem you take money out of an atm.

you're not charged every time you pay bills online. you're not charged for half the things all these other cards charge you. if you close down the card, you're not charged $10 to close down the card. >> reporter: here you are offering a card but then telling people not to spend. >> i want them to buy needs on this card. i do not want them to buy their wants and their things. i don't want to contribute to them wasting money on things they're never going to use. >> reporter: like the occupy wall street campaign that inspired 80,000 people to close their bank accounts -- >> paying cash? my girl. >> reporter: suzie orman is telling people to quit their banks. >> people can go off the grid. they can take their money out of a bank and give it to a credit uni union. >> reporter: you hate banks, and yet you're getting into bed with the banks to do the prepaid card. >> i don't hate all banks. there are many banks out there, community banks, small banks, that really stood by the consumer. >> your total is $17.

>> reporter: for extra security and accounting, her debit card sends you a text every time you make a purchase. it happened. that's amazing. >> it shows you how much money she has left. >> reporter: suze points out another drawback of other debit cards. they don't help build up your credit card. >> anything you do with the debit card does not count towards the credit score. >> reporter: that all important fico score can impact so many monthly bills. >> what if i told you that if you don't have a fico score, a landlord will not rent to you, your car insurance premiums, your life insurance premiums, your health insurance premiums, are higher than they need to be. what if i told you that? there's something radically wrong with the system that penalizes you if you only pay in cash or a debit card. and yet rewards you for putting money on a credit card that you simply pay the minimum on every month. >> reporter: and racking up

debt. >> and debt. >> reporter: that's what really sets her card apart. it's the first one in history to share information with one of the major credit bureaus, trans-union, though it might take a couple of years before you can build credit. >> it's an experiment, everybody. my goal is to get it so debit cards create a score. and if it can, we change the scoring system in the united states of america. >> reporter: so is one credit agency enough though to make those scores relevant? >> no, no. i want experion to change me. i want equifax. come on, everybody. >> reporter: what about the skeptic, os out there who say you're lining your own bank account by doing this? >> yeah, i'm sure they're going to say this. i know the people out there know i've always put their need first. >> reporter: for ten years she's been counseling the not so rich on her highly rated tv show. >> all of us at times need a serious financial wake-up call. >> reporter: before that, suze spent ten years as a financial

planner. still, as a trusted money guru, her crusade is raising eyebrows because she stands to profit. >> i hope i make a ton of money on it. it's the same thing when i write a book. i'm in it not only for myself, i'm in it for you as well. >> reporter: with this card, are you putting your reputation on the line? >> i think i am putting my reputation on the line. many people are going to say, she wants to make more money, this, that. i don't care what they say. if this card doesn't work the way i say it works, then there goes my reputation. >> reporter: in the meantime, suze will continue to dispense advice. it's almost like she can't help herself. >> pay down your credit card debt in full. >> reporter: remember, with their $5,000 credit card debt? >> your happiness is dependent. she even has tears in her eyes. that you love each other and you struggle through and you do without when you have to. >> i'm stressed out about money. >> so it's not about the money.

it's about how much you love one another. >> reporter: no matter how much money she makes on her debit card, it seems she'll always be willing to give away advice for free. i'm judgju chang for "nightline coming up, nothing says "i love you" like a needle in the forehead. we meet women who share the gift of botox with their beaus. [ woman ] i was living with this all-over pain.

a deep, throbbing, persistent ache. my doctor diagnosed it as fibromyalgia -- thought to be the result of overactive nerves that cause chronic, widespread pain. lyrica is believed to calm these nerves. i learned lyrica can provide significant relief from fibromyalgia pain. and for some people, it can work in as early as the first week of treatment. so now, i can do more of the things i enjoy. lyrica is not for everyone. lyrica may cause serious allergic reactions or suicidal thoughts or actions. tell your doctor right away if you have these, new or worsening depression, or unusual changes in mood or behavior, or any swelling or affected breathing or skin, or changes in eyesight including blurry vision, or muscle pain with fever or tired feeling. common side effects are dizziness, sleepiness, weight gain and swelling of hands, legs, and feet. don't drink alcohol while taking lyrica. don't drive or use machinery until you know how lyrica affects you. with less pain, i'm feeling better now that i found lyrica. ask your doctor if lyrica is right for your fibromyalgia pain.

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it is known as bro-tox.

botox injections for men. for millions of patients, it's a fallback weapon in the battle of the lines of age. the reasons men do it range from vanity to hopes looking better will deliver a professional edge. increasingly, there's one more reason, the wife is paying. here's abc's andrea canning. >> reporter: 38-year-old mark isn't exactly a metro sexual. >> i do a lot of industrial-type work, getting dirty and stuff like that, you know, and i restore old cars. >> reporter: he asked his wife julie for a chain saw for christmas. when he opened his card on christmas morning. >> there was a little note that said botox on it. it's just not anything i would ever thought i would do for myself. i always told myself i'd grow old gracefully. >> reporter: while botox might not sound like the most romantic gift, julie thought it was one he might appreciate. >> i think mark looks great. but he did mention he noticed he looks a little bit older. >> we were looking at old pictures. i looked at this picture.

i said, man, i've aged the last couple of years since we've just had this baby. >> reporter: it didn't take long to convince him. >> look how smooth her forehead looks. >> yeah, tight as a drum. i think i laughed a little bit and said, sure, all right, let's give it a shot. >> can you smile for me, mark? when i look at you, i think what stick, out most to me are the crow's feet. >> reporter: mark is one of the half dozen men that this doctor said came to his practice this holiday season bearing gift certificates for botox or -- >> bro-tox. >> reporter: that's right, bro-tox. botox for male patients. it's part of a rising trend. >> every year, i see more and more men who are getting bro-tox as a christmas gift. >> i got botox for christmas. my forehead, like, you see that? >> she told me, i know what i'm going to get you for christmas. botox. >> right here, i get really stressed out. >> i don't want to look any older and i think i'm addicted.

>> last year, over 300,000 men underwent bro-tox injections and this is up 10% from the year before. >> reporter: it's not just bro-tox. 1 in 8 plastic surgeries now performed on male patients. skyrocketing 15%. facelifts among men increasing 14%. liposuction rose 7%. >> it's still a competition in our society for looks and better-looking men get paid more and they get the prettier girls. >> people say, you look more like your dad every day. >> reporter: 59-year-old david noticed his skin was sagging after he lost a significant amount of weight so he consulted a plastic surgeon. >> i had a facelift and chin implant. >> reporter: he says it's paid off. >> it feels good. >> reporter: his wife cindy couldn't agree more. >> oh, he's so handsome. he always had this beautiful smile and now with his new jawline, he's extremely handsome. >> oh, my god, look at my jaw,

that's amazing. >> reporter: 52-year-old ed smith was out of work and had two procedures performed two years ago because he felt looking better, looking younger, would help him get a job. >> i know people who go out and get their teeth done. i know people who dye their hair, you know, spend a fortune on wardrobe. the investment is going to -- i'm going to get tenfold easily. >> reporter: he believes he was right to wait. >> i can't believe it. when i look at the picture of myself, with my resume, he called me about 1 ho2 hours lat and said "you got the job." >> reporter: as for mark? >> now look a little angry. you're going to feel a couple. >> reporter: he got his injections. a few days later, he said his crow's feet were less noticeable. mark says he hasn't told his buddies just yet. >> they'd probably give me a hard time. i'll just keep it under my hat. it will leak, i'm sure, and i'll

have to 'some questions. >> i think it could benefit anybody. everybody wants to look good. >> that's true too, yeah. >> reporter: for "nightline," i'm andrea canning in new york. >> hate to tell you, dude, it just leaked. our thanks to andrea for that. coming up next, this horror film is ranking in ten, of millions and making critics wish they were dead. glad that one's over. yeah, i know what you mean. cigarette? you coming? umm, nah you go ahead. i'm good. alright. ♪ [ male announcer ] every time you say no to a cigarette, you celebrate a little win. nicorette mini helps relieve cravings in minutes. so you can quit one cigarette at a time. nicorette mini helps you go from one little win to another. until you reach your goal. nicorette mini. quit one cigarette at a time.

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the movie trailer begins with sound from an old 911 call. you hear the woman with a voice like axl rose reporting she has just killed three people. sure, thought millions of people over the weekend, i'd watch that. and so they did. and now many of them seem to regret that. and hollywood is stunned with the whole ordeal. here's abc's john donvan. >> reporter: the trailer looked spectacularly scary. >> i'm your daughter. >> reporter: and tight and tense.

"the devil inside." the film that only cost $1 million to make had a fabulous open weekend selling $34 million in tickets. a lot of people who went inside. all great. except for what people said when they came back outside. >> it sucked. >> reporter: some people took a few more words than that. going online to say i personally want to ask for my money back. the worst ending i've seen in ten years. i can't remember anytime when the crowd around me all started to boo. in fact, somebody recorded that happening and actually put it up on youtube. >> terrible! >> boo! >> reporter: along with other youtube rants. >> it's not worth the money. >> and time. >> reporter: and movie fon's 6 second review. >> if you spend good money on this turd, the devil made you do it. >> reporter: last friday was the big night for "the devil inside." by saturday night, audiences were shrinking.

by then the film makers had made their money. they were probably a lot happier than the moviegoers. really, if it's that bad, how did it sell so well for one night at least? >> i think more than anything else this is a cue for paramount's marketing group. they had a great trailer. really great poster with a picture of that nun with kind of the eyes scratched out. i think it really got people curious to go see a movie that by all accounts nobody really liked. >> reporter: maybe the producers knew what they were doing when they held back advance screenings. how did it make all that money? three things may have worked for "the devil inside." one, it was the only big film this weekend. no competition for moviegoers really desperate to go to a movie. two, horror. a category where the fan base doesn't seem to give a damn what the critics say. those twilight films critics always pan them, fans always love them. and, three, well, trailers are an art form all their own. take "alien" rated one of the best all-time trailers. note it's for a horror film.

>> and in this house, the most dire horrible events took place. >> reporter: also highly rated, "psycho's" trailer. and the trailer for "the shining." >> a well-cut trailer, really exciting, intriguing trailer, will get people into the theaters and get them really excited about a movie. >> reporter: maybe that was it. "the devil inside" was a hit. amazing, spectacular, as long as you could watch it inside of two minutes. full length, however, what was it that guy said? >> sucked. >> reporter: well, that's just one opinion. i'm john donvan for "nightline" in new york. thank you for watching abc news. tuesday, huge day in politics. the new hampshire primaries. they're already voting in dixville notch. the rest of the state will join them. will rick santorum make a surge