Alternate Character Interpretation: This could be applied to the whole movie. Is it a not-so-subtle criticism of the fashion industry and the consumerism of the American people? Is it a Take That at women that insist on having the latest fashions even when it drives them past bankruptcy?
Becoming the Mask: Somewhat subverted. Rebecca's position at Successful Saving doesn't eradicate her addiction, but the more she's around Luke Brandon, and the more she writes for him, the more she settles into the Girl in the Green Scarf role.
Critical Research Failure: The Finnish man states that "We Scandinavians... like [Rebecca]". Finland is not part of Scandinavia.
Designated Hero: Rebecca is, all said and done, an incredibly materialistic and shallow person with only her own vanity to blame for her current woes.
Designated Villain: The debt collector is shown to be this solely because he's a jerk. Rebecca is a young woman who's shallow, self-obsessed, accidentally lies her way into a job, has a shopping addiction, and whose life is in serious trouble because of it. The fact that she paid back her debt in pennies is supposed to be revenge on him for publicly "inconveniencing" her by exposing her on national television. Never mind that she got her job under accidental false pretenses, proceeded to lie to keep it, and dodged said collector for weeks, which is pretty inconvenient too.
In the book, at least, this is acknowledged. The debt collector does confront Rebecca at the TV station though not on air, and calls her out on how much of his and his bank's time and resources have been wasted on trying to get in touch with her and get her to take her debt seriously, and even Rebecca has a My God, What Have I Done? moment where she apologizes, thanks him for giving her so many chances, and promises to do whatever it takes to repay her debt if he'd be willing to help her do so.
Freudian Excuse: Depending on how you feel about these, Rebecca has one. The fact that her mother always bought her the boring clothing items she didn't want, rather than the sparkly, overpriced ones she did—and that every other girl her age got—contributed to the fact that she became a shopaholic with twelve credit cards.
Pimped-Out Dress: Suze's bridesmaid dress, of the horrendously pimped-out variety. It's hot pink with a poofy multicolored underskirt. Worse than that, the dress comes with a matching pink handkerchief you have to wear on your head.
Too Soon: Releasing a movie celebrating impulse buying and other irresponsible uses of your money while America was in the middle of a bad recession wasn't the smartest move.