Penny is given a credit card, leaving her to spend massively without her parents knowledge. She then learns the value of a dollar and how credit cards really work. Meanwhile, Oscar tries to get rid of a mouse in the Proud's home, but the Prouds' annoying, 9 year old neighbor Peabo creates more problems for Oscar. Guest Star: Steve Harvey as the Credit Card. Note(s): The song Independent Women by Destiny's Child is featured; this is the only episode not on Disney+, in fact, this episode cannot be streamed anywhere.