{"id":1978,"date":"2014-01-22T12:39:47","date_gmt":"2014-01-22T16:39:47","guid":{"rendered":"https:\/\/www.duck9.com\/?p=1978"},"modified":"2014-01-22T12:48:57","modified_gmt":"2014-01-22T16:48:57","slug":"free-upgrade-larry-chiangs-duck9-credit-card-blog","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/free-upgrade-larry-chiangs-duck9-credit-card-blog\/","title":{"rendered":"Free Upgrade | Larry Chiang’s Duck9 Credit Card Blog"},"content":{"rendered":"
\n
<\/div>\n
Unedited by Larry Chiang<\/div>\n
<\/div>\n
\n\n\n\n
\n\n\n\n
\n\n\n\n
\"\"<\/td>\n\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
\n\n\n\n
\"\"<\/td>\n\n\n\n\n
\n\n\n\n\n\n
Are images missing? View online<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
To ensure delivery, add us to your address book.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\n\n\n\n
\"Bank<\/a><\/td>\n\n\n\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Exclusively for: Lawrence Chiang<\/span><\/span><\/td>\n<\/tr>\n
Your credit card account<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\n\n\n\n\n
\"\"<\/td>\nEarn cash back every day<\/span><\/td>\n\"BankAmericard<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\n\n\n\n
\"\"<\/td>\n\n\n\n\n
\n\n\n\n
\n\n\n\n\n
\"\"<\/td>\n<\/tr>\n
Upgrade to the BankAmericard 
Cash Rewards\u2122 credit card<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n		\n\n\n\n\n
\"\"<\/span><\/td>\n<\/tr>\n
\n\n\n\n\n\n\n\n
\"Upgrade<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
with just one click!<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
To show our appreciation to you for being a loyal customer, you’ve been selected to upgrade your existing credit card<\/strong><\/a> to the BankAmericard Cash Rewards\u2122 World MasterCard\u00ae <\/strong>credit card \u2013 with no annual fee<\/strong>\u2666<\/sup> and cash back on all your purchases.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
\n\n\n\n\n
\"\"<\/td>\nMore cash back for the things you buy most<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\n\n\n\n\n\n
\"\"<\/td>\n\"1%<\/span><\/td>\n\"2%<\/span><\/td>\n\"3%<\/span><\/td>\n\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
\n\n\n\n\n\n\n\n\n\n\n\n\n
\"\"<\/td>\nGrocery store and gas bonus rewards apply to the first $1,500 in combined purchases in these categories each quarter.*<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Plus, receive a 10% customer bonus<\/strong> every time you redeem cash back into a 
Bank of America\u00ae checking or savings account.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Simple cash back. And no hoops to jump through.<\/strong>
With this card, there’s no need to sign up to earn cash back, no rotating categories, 
and your cash back doesn’t expire.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Upgrade your existing card today<\/a><\/strong><\/span><\/td>\n<\/tr>\n
Here’s how your upgrade works:<\/strong><\/span><\/td>\n<\/tr>\n
\n\n\n\n\n\n
\u2022<\/span><\/td>\nNo application required. To accept, click the button above by 3\/31\/2014<\/a>.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
\n\n\n\n\n\n
\u2022<\/span><\/td>\nUpon accepting this special offer, you may continue using your current card until 
your new card arrives. Any unused points will be converted into an equivalent cash rewards balance.**<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u2022<\/span><\/td>\nYour account number will change, so be sure to update your account number with 
any merchants who automatically bill your account.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
\u2666 To be eligible for this account conversion, your account must be open and in good standing (i.e., have charging privileges) when the conversion occurs. As a result of this upgrade, your account will have a revolving line, rather than a pre-set spending limit. This does not mean that all transactions will be approved. We will consider transactions for approval on an individual basis, including transactions in excess of the revolving line. Upon approval of your account upgrade, you will receive an Amendment that further describes your revolving line. Please read it carefully and keep it with your Credit Card Agreement.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
With the exception of the terms described here and in the Amendment you receive, your current account terms and conditions, including any recent or future amendments, will apply to your new account. All account history (including existing balances and credits) will transfer to your new card. Continue to use your current account until your new card arrives. Please destroy your old card after receipt of your new card, and once you’ve activated your new card, be sure to provide your new account number to merchants such as internet providers for automatically billing your recurring monthly charges to your account.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
* Earn base cash rewards of 1% of all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle. You will earn total cash rewards of 2% (consisting of 1% bonus cash rewards and 1% base cash rewards) for net purchases at eligible grocery merchants and 3% (consisting of 2% bonus cash rewards and 1% base cash rewards) for net purchases at eligible gas merchants (the “Bonus Categories”), for the first $1,500 of combined net purchases made during each calendar quarter in the Bonus Categories. Eligible merchants and the associated merchant category codes (“MCC”) for the Bonus Categories are the following: (a) Grocery (MCC 5411-Grocery Stores\/Supermarkets, 5422-Freezer\/Meat Lockers, 5441-Candy\/Nut\/Confection Stores, 5451-Dairy Product Stores, 5462-Bakeries, and 5499-Misc. Food Stores– please note that this list does not include codes for “Discount Stores” or “Wholesale Clubs”); and (b) Gas (MCC 5541-Service Stations and 5542-Automated Fuel Dispensers). Purchases made at a merchant that does not process transactions under these codes will not qualify and you will not receive the bonus cash rewards. You will earn base cash rewards of 1% for net purchases in excess of $1,500 in each quarter in the Bonus Categories. Balance Transfers, Cash Advances, including purchases of money orders or other cash equivalents, fees, interest charges, fraudulent transactions and certain other charges do not earn cash rewards.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Cash rewards shall be issued for a U.S. dollar sum in the form of a statement credit, a check, or an electronic deposit to a Bank of America checking or savings account, or a contribution to a Merrill Lynch Cash Management Account\u00ae. Cash rewards redeemed into a checking or savings account with Bank of America, N.A. or a Merrill Lynch Cash Management Account will be 10% greater than the other types of cash rewards ($25 in cash rewards = $27.50 deposit).<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Cash rewards may be requested on demand, or by registering for the automatic reward redemption method of choice, as described in more detail in the Program Rules. Other significant terms apply. Program subject to change. For more information, visit bankofamerica.com\/cashrewards<\/a><\/a>. Details accompany new account materials.<\/p>\n

**The rewards balance on your account will convert from points to Cash Rewards at a value of 1% of the number of points at the time of conversion. For example, 5,000 rewards points = $50 Cash Rewards. Rewards balance conversion will occur within two weeks of account conversion. <\/p>\n

MasterCard and World MasterCard are registered trademarks of MasterCard International, Incorporated, and are used by the issuer pursuant to license.<\/span><\/td>\n<\/tr>\n

\"\"<\/td>\n<\/tr>\n
This credit card program is issued and administered by FIA Card Services, N.A. BankAmericard Cash Rewards is a trademark and Merrill Lynch Cash Management Account, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Opt-out instructions<\/strong>
This is a promotional email from Bank of America. You can opt-out of future promotional email, now or anytime in the future, by updating your Email Preferences<\/a>.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Contact us about this email<\/strong>
Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or use the Contact Us<\/a> page, so we can properly verify your identity.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Privacy and Security<\/strong>
Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy<\/a>. You can also learn how Bank of America keeps your personal information secure<\/a> and how you can help protect yourself.<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Bank of America Email, 8th Floor-NC1-002-08-25, 101 South Tryon St., Charlotte NC 28255<\/a><\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
Bank of America, N.A. Member FDIC. Equal Housing Lender<\/a>.\"\"<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
\u00a92014 Bank of America Corporation<\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
This email was sent to: larry@duck9.com<\/a><\/a><\/a><\/span><\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n
3-8BUN-8BUN-N-N-EN-40BY-32BN-33K-42ZZ-5-5546-60190-0148950164719689-1A-CIRWW- 1Q14OIU  <\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/p>\n

\n
<\/div>\n<\/div>\n
What A Super Model Can Teach a Harvard MBA About Credit https:\/\/www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit<\/a><\/a><\/a><\/div>\n
<\/div>\n

<\/span>American Express’ Under-Promoted Credit Truths at New York Fashion Week <\/p>\n

https:\/\/t.co\/inxTmZAj<\/a><\/a> <\/p>\n

<\/span><\/div>\n
My Stanford Engineering video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve <\/div>\n
<\/div>\n
<\/a><\/div>\n

<\/span><\/p>\n
CEO of Duck9<\/span><\/p>\n
MIT University EIR (Entrepreneur in Residence)<\/span>
<\/span><\/p>\n
<\/div>\n
Duck9 = “Deep Underground Credit Knowledge” 9<\/div>\n
125 University Avenue\/ 100<\/div>\n
Palo Alto CA 94301<\/div>\n
https:\/\/www.duck9.com\/ass<\/a><\/a><\/div>\n
650-566-9600<\/div>\n
650-566-9696 (direct)<\/span><\/div>\n
650-283-8008 (cell)<\/div>\n
<\/div>\n
****************<\/div>\n
Editor of the BusinessWeek Channel “What They Don’t Teach at Business School”<\/div>\n
https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog<\/a><\/a><\/div>\n
CNN Video Channel: https:\/\/ireport.cnn.com\/people\/larrychiang<\/a><\/a><\/a><\/div>\n
<\/div>\n
Read my last 10 tweets at https:\/\/www.Twitter.com\/LarryChiang<\/a><\/a><\/a><\/div>\n
<\/div>\n
Author, NY Times Bestseller<\/div>\n

https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller<\/a><\/a><\/div>\n

<\/div>\n

“What They Will NEVER Teach You at Stanford Business School” comes out 11-11-14<\/p><\/div>\n

<\/div>\n

https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049<\/a><\/a><\/p>\n

<\/p>\n
\n
52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering<\/div>\n
<\/div>\n
<\/div>\n
Emergency swings and cutting deals as an 9 year old<\/div>\n
<\/div>\n
<\/div>\n
<\/div>\n
##########<\/div>\n
Duck9 is part of UCMS Inc.<\/div>\n
https:\/\/www.ucms.com<\/a><\/div>\n
630-705-5555<\/div>\n<\/div>\n<\/div>\n<\/div>\n
<\/div>\n
More on #ENGR145’s SHIFTING right on the entrepreneur bell curve <\/div>\n

<\/a><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Unedited by Larry Chiang Are images missing? View online To ensure delivery, add us to your address book. Exclusively for: Lawrence Chiang Your credit card account Earn cash back every day Upgrade to the BankAmericard Cash Rewards\u2122 credit card with just one click! To show our appreciation to you for being a loyal customer, you’ve been selected to upgrade your […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1978","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1978","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=1978"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1978\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=1978"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=1978"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=1978"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}