Someone (usually a dude) that goes out and buys the cheesiest truck credit can buy. He also likes to accessorize the truck with the ugliest accessories credit can buy such as: a lift kit, large rims and tires, lots of chrome accessories, tribal paint, stereo, lights, etc.
This person usually has no money and a small penis, therefore, they feel that driving one of these "trucks" vindicates their low self worth.
Fortunately, this is as temporary condition due to the fact the individual cannot keep up with the steep payments and has to return the "truck" six to twelve months later.
This person will also accessorize themselves with tribal tattoos, tribal jewelry and blonde streaks in a vain attempt to attract someone from the opposite sex.
A great place to observe these types of individuals is at Nickleback and Default concerts.
Guy 1: Hey man check out my new F-150!! I can't wait to get high on coke and take it to the Nickleback show tonight!!
Guy 2: What the hell man. you are such a Credit Clown, you still live with your fuckin mom!! grow the fuck on up!!