Cramer's 'Mad Money' Recap: Allergan Wrinkle-Free

"Every time it slides down a bit, put on a fifth of your position," Cramer said. "Buy it patiently on its way down."

Life and Debt

There are those who fall victim to capitalists and those who profit off of the victims, said Cramer. For example, credit card debt is growing, and people can either complain about the problem or they can invest off it.

Cramer believes that the best way to play this trend is with Capital One Financial (COF Quote), which he owns for his charitable trust, Action Alerts PLUS, and which is the No. 4 issuer of MasterCard and Visa credit cards.

Although he also likes MasterCard (MA Quote), Cramer said that MasterCard capitalizes on credit card transactions, while Capital One capitalizes on credit card debt.

The credit card business is still doing well, he said. In addition, taking the interest rate angle into consideration, Cramer said there is a 70% chance of a rate cut by March, and if that happens, "every bank in America -- and especially Capital One -- should surge higher."

Capital One is "cheap," and as it is not a worst-of-breed bank, Cramer believes that it deserves to trade higher. Also, it is buying North Fork (NFB Quote) "so it can lend more money through credit cards at outrageous rates."