This isn't technically a Crapenstance, but the card did come unwarranted with a note for refinancing. So it kind of works. Take a good look at this brokedown christmas card.
Yeah, I'm really going to refinance my mortgage with a 2 year old. How are you gonna send that scribble and expect anyone to take you seriously?!!
P.S. my favorite is the P.S. note on the back.