No issuing bank would just give someone a new credit card, especially if Penny's credit is as bad as one would figure it is at this time in the series.
The heroes play the Talisman board game, but they have too many character cards on a board (five, including two toads, while there are only three players).
Correction: sometimes, people will play more than one character in games like this.
Correction: sometimes, people will play more than one character in games like this.