Reborn with Consumption System-Chapter 523 - 239: Remedial Measures_2

"You’re too modest." Tang Xintian said, looking thoughtful, "It seems there’s still so much for me to learn."

This kid! I finally tell a harsh truth, and she still doesn’t believe it?!

Han Lie had a very clear understanding of his past self.

Without the system, I’d be a billionaire, at most—one who’s content with simply being rich, not aiming for true financial empire status. I might make up to a billion in wealth, but I wouldn’t necessarily be able to hold onto it.

But it was up to her what she wanted to think. He, Brother Lie, couldn’t control that; at most, he’d just smile and let it go.

After she finished the forms, she called Xiao Bai back.

"Take the gold card application to the private banking client department and get Section Chief Chen to come over. Process the credit card application separately as urgent; hand it to Director Zhang at the center for his signature. Huang Xing will communicate with him separately about it."

As Tang Xintian instructed Xiao Bai, she kept one eye and most of her attention on Han Lie, sneaking glances at him.

Teacher Han, are you really craving his... that thing?

As she pondered this, Han Lie suddenly looked up, a smile that wasn’t quite a smile playing on his lips as he glanced at her.

The beautiful woman shuddered inwardly and awkwardly waved her hand. "Go on, now. Don’t make any mistakes."

"Understood, Section Chief." Xiao Bai nodded respectfully. As he left, he bowed slightly to Han Lie, offering a proper, enthusiastic, and handsome smile.

The beautiful woman shuddered again, the hairs on her arms standing on end.

Idiot! I don’t even know how to protect you, and you’re actively courting disaster?! You think your smile is so great, huh?!

When she nervously looked over, she saw Han Lie returning a friendly, slight smile. She immediately covered her eyes, unable to bear the sight.

Good heavens! My imagination is running so wild it’s like my brain’s about to render a high-def movie—how terrifying!

Han Lie didn’t know how much his joking remark had affected her. Tang Xintian was too "well-behaved"—not in the sense of being compliant, but rather, her intense focus on her studies and work had resulted in a certain naivety.

So, based on first impressions alone, Brother Lie was the most impactful and memorable stranger she had ever encountered.

「」

Afterward, everything went smoothly.

The manager of the private banking department, along with a private banking client service assistant, came to pay their respects to Han Lie—their politeness was almost overwhelming.

"President Han, from now on, if you need anything at all, you can tell Mengjun directly. If it’s something we can do, we’ll do it immediately. If it’s something we can’t, our entire department will work together to find a way to do it for you!"

But in truth, Han Lie didn’t have a single penny in his SPD Bank account.

Oh, wait, that wasn’t quite right; the card he’d used for the hotel room had a bit of loose change on it.

Manager Chen mentioned that card. "Would you like to upgrade your existing SPD Bank card to a gold card?"

Han Lie suddenly remembered that a new regulation regarding Tier 1 and Tier 2 cards was supposed to be implemented in the coming years. He wasn’t sure what impact it might have.

Thinking ahead, Han Lie decided not to open a new card. "Can my existing SPD Bank card be upgraded directly to a gold card for private banking clients?"

"Yes, that’s possible."

"Then let’s do that. It saves the hassle of opening a new card."

No one thought anything was amiss; it was a perfectly normal choice.

The customer service representative, Wang Mengjun, shyly exchanged phone numbers and WeChat contacts with Han Lie, her cheeks slightly flushed the entire time.

This girl was also extremely beautiful, probably the most presentable customer service representative the private banking department had.

It was no exaggeration to say that in the commercial banks ranked below the "Big Four," the women in the private banking departments all had melodious voices, and more than half of them were beauties.

But even among the bevy of beauties in the private banking department, Wang Mengjun was a standout.

Yet...

Face-to-face, she seemed a bit socially anxious. She didn’t say much, appeared nervous, and kept stealing glances at Han Lie.

So interesting.

But Brother Lie wasn’t interested in flirting with her further; Tang Xintian was the real challenge. As for this customer service representative, well, I’ll just tease her a bit when I have time to call.

After settling the private banking account, Tang Xintian briefly discussed the credit card.

Both of these approvals were, in fact, exceptional.

Normally, SPD Bank’s private banking qualification required an average daily deposit of 8 million yuan. In a couple of years, this threshold might decrease somewhat, but it would still require 5 million.

SPD Bank’s Magic Capital branch had tens of thousands of private banking clients in total. However, that number was cumulative, and many were "relationship accounts" brought in by staff to meet targets—accounts from which the money was often transferred out just days after opening.

At this point in time, the number of key clients still on the active service list did not exceed 6,000.

And yet, Han Lie could enjoy the highest level of service without needing to deposit a single penny.

The credit card was an even greater exception.

"The highest credit limit for domestic credit cards is capped at 20 million yuan," Tang Xintian explained clearly. "It’s not that Director Huang doesn’t want to grant you a higher limit, but policy doesn’t allow it."

"Your fixed assets and bank transaction history aren’t even sufficient to apply for a card with a 5 million limit. Director Huang used his personal credibility to vouch for you. Of course, we all believe that a mere 20 million is nothing to you."

Actually, Tang Xintian didn’t understand at all why Director Huang had granted Han Lie such a high credit limit.

People in finance certainly had money, but they were also high-risk clients for banks.

Individuals whose primary income was from stock investments normally wouldn’t pass a bank’s credit risk assessment.

So, she was extremely curious about Han Lie.

This man has a secret!

The calmer and more indifferent Han Lie appeared, the more her curiosity gnawed at her, making her want to test the waters.

Unfortunately, with the cautionary tale of Xiao Bai fresh in her mind, she really didn’t dare to act rashly...

With those two small matters settled, they moved on to discuss the custodial project.

This task, in fact, was the simplest. The bank had strict regulations for managing custodial accounts; all they had to do was follow the rules and procedures.