• by Larissa Faw , October 25, 2018

Timed to coincide with Halloween, Santander and agency Arnold Worldwide are leveraging research that finds 33% of millennials fear debt more than death for the bank's new campaign. 

The creative features three video spots ranging from :15 to :60 that highlight how the small purchases you make on your credit card could come back to haunt you as debt.

In one spot, "Roller Skates," a pair of seemingly untouched rollerblades creep into a man’s room at night, showing how an unused purchase can live on as a financial burden.

In the second and third spots, a waffle iron and an exercise bike are depicted similarly, to demonstrate this debt-unused-purchase connection.  

The media buy runs across digital channels including Facebook, YouTube, Pandora, JamLoop and Hulu.