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Reverse Annual Fee Credit Card for CS Major UNDERGRADS

by Larry Chiang on December 6, 2011

It’s me, Larry Chiang, CEO of Duck9. You may know me by my NY Times bestselling book, “What They Don’t Teach You at Stanford Business School”. I help Stanford engineers get paid to go to business school. Yeah, I teach there.

Anyway, I might have gone full douch, but I pay YOU the CS major a reverse annual fee.

I gained undergraduate fame as an engineer. I want to help you hack your FICO credit score, share Stanford engineering entrepreneur ideas, get you a few job offers and maybe take you to a b-school where YOU hire THEM to be YOUR bd intern. But I won’t charge you — I pay you. I will even to pay you to eat with you at TRAINING TABLE. Its like athlete training table but it is just for CS majors.

But I won’t pay you to read! Even my SOLD OUT bestseller on Amazon has free excerpts on all fourteen chapters in at a website called, BusinessWeek. Yes, I write there. And no, I didn’t copyright my book. I may be cray cray but I have advice columns at CNN and Yahoo too.

Now to the point:

I finally cracked the code on what it means to have good credit card credit. And now I want to teach YOU how so you can learn great techniques and get on with your collegiate life.

Maybe you’ve heard my story. I started off young and naive as an undergrad with zero traditional business training.

But after discovering this game-changing model, I built a million dollar business in my dorm room*, teach engineers to be street smart at Stanford and document new stuff I learn. I curate the best stuff for you…

How did I discover it?

I read the “Ultimate Credit Handbook” by Gerri Detweiler and it got me on the right path as a freshman… Now I speak at the biggest confernces, go to and host the best parties, and pressure credit industry leaders tell me their deepest secrets. I wrote about this in Chapter 4 of my book.

I even got to testify as a credit expert at Congress, the Federal Reserve Bank and World Bank. Credit can be boring so I put my supermodel pictures in my slideshare. I am #hiLarryAss like that 🙂

BOOK TIP #2: a life-changing book I read in high school: “What They Don’t Teach You at Harvard Business School” by IMG Founder, Mark McCormack. It taught me how to get mentored by the best and brightest minds. I used it to network with and man-charm credit experts and learn from the best minds in the business including the author of the book.

$300,000 of Resources – Yours free

I am going to share with you something mind blowing.

You can get critical credit-building knowledge without ever going to business school and without ever going into debt to do it. All you have to do is text me. And because you’re a CS major UNDERGRAD, I will pay you a reverse annual fee.

Save money on life’s biggest expense: Interest

Get the “Reverse Annual Fee Credit Card” now by texting me @650-283-8008 your full name and the phrase ‘reverse annual fee’.

While you are pulling out your cell…, see what I said on Fox News in Houston.

There are FOUR components to building your FICO score (if you are still reading and not texting — effen text me NOW 6-5-0—2-8-3—-8-0-0-8). And include, “reverse annual fee’ phrase so you get this credit card.


These are the four components to hacking your FICO score:

(1) the pre-credit prep,

(2) peppering positive information,

(3) adding in more positive information into the FICO grid and

(4) confirming that the information went into the FICO grid.

******* TESTIMONIAL ***********

Harvard had this to say:



“Larry Chiang maneuvers through credit like a downhill slalom skier. He is THE credit score vigilante.

Tagging along for the ride is both exhilarating and terrifying all at the same time. He has testified before Congress and the World Bank. Trust him as your credit guide because he knows 2 stages ahead what moguls to dodge, trees to avoid and cliffs to steer clear.”

Paul Thompson
Founder Scottish American Capital
Harvard Business School ’09


I told my friend Kelly Jackson about credit mistakes in the video below. She is an anchor for Good Morning ABC News

My dog
Baxter went on before me (video). But here is Kelly and I talking about D.u.c.k.9 (Deep Underground Credit Knowledge 9- Ducking 9s is good for your credit. 9s are credit industry insider code for charge-off. A chargeoff is catastrophic to your credit card credit score)

******* TESTIMONIAL ***********

Stanford had this to say:




“Who needs Stanford Business School when you have Larry Chiang”

David Rohrsheim
Venture Capitalist, Draper Fisher Jurvetson
Stanford GSB ’13

The FICO credit grid is all the micro, little pieces of information that Fair Isaac collects from the three bureaus: Trans Union, Equifax and Experian.

The FICO grid is the one thing that determines your FICO score so adding in positive information raises your credit score. Let me worry about how it works. Trust me to show you the way

Subscribe now by texting me @650-283-8008 your full name with the phrase ‘reverse annual fee’.


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