Richest Man: It All Started With My Rebate System-Chapter 45: Making A Request

The elevator doors closed and the elevator started descending to the ground floor.

"Youngest client we’ve ever onboarded. Twenty years old," Hargreaves said, with a proud smile on his face and quiet satisfaction in his voice. "And he agreed immediately. No conditions, no negotiation."

Fletcher stood beside him, the tablet tucked under his arm. "Things are probably going to start changing now that Halcyon and the trust they manage has made an appearance."

"Indeed, we will start seeing some changes," Hargreaves said. He looked at the doors ahead of him. "I expected him to ask for something before we left. Surprised he didn’t."

"He didn’t ask today," Fletcher said. "Doesn’t mean he won’t ask another time. Now that he’s a client, he’ll be contacting us."

Hargreaves smiled slightly and said nothing.

It was at that moment that his phone rang. He looked at the screen.

Steven Craig.

He picked up without hesitation.

"Mr. Craig."

"Are you still in the building?"

"We’re in the elevator," Hargreaves said.

"I have one more request. It won’t take long."

A brief pause. "We can come back up."

"No need. This is quick." Steven leaned forward slightly. "I want a custom debit card. Palladium, same material as the Reserve Card, but tied directly to my account rather than a credit line. Same concierge access, same partner network, all of it carried over. And I want it to be unique. Not something you offer anyone else."

The line was quiet for a moment. Hargreaves glanced at Fletcher, who was already reaching for his tablet, and he smiled.

"It isn’t an existing product," Hargreaves said, when he came back to the call. "Which means it would have to be built from scratch specifically for you. Palladium sourcing and production runs three to four weeks. The feature integration we can match fully on a debit structure, everything as you have described them."

"That works," Steven said.

"Fletcher will follow up within forty-eight hours with the confirmed specifications and timeline. He’ll handle everything from there."

"I appreciate it," Steven said.

"Of course." A brief pause, and then Hargreaves added, with approval in his voice. "Good instinct, Mr. Craig." 𝐟𝚛𝕖𝚎𝕨𝗲𝐛𝚗𝐨𝐯𝐞𝕝.𝐜𝗼𝗺

The call ended.

Hargreaves lowered the phone and looked at Fletcher.

Fletcher looked back at him with a small, knowing expression. "Told you," he said.

Hargreaves smiled and said nothing as the elevator reached the ground floor and the doors slid open.

***

Steven set the phone down and looked at the Reserve Card still sitting on the coffee table in its open case.

The reason he had asked for the custom debit card was simple. For one, it was because he could. But the main reason was something more practical than that.

The Reserve Card was a charge card. It carried JP Morgan’s credit infrastructure behind it, which meant every transaction made on it was technically a credit obligation settled at the end of the month.

The system responded to money leaving his account. He had confirmed that from the very first transaction, the pizza order in his old apartment, and every purchase since had operated on the same basis.

He wasn’t certain the system would treat a charge card transaction the same way. The money didn’t leave his account at the point of spending. It left when the bill was settled. Whether the rebate triggered at the moment of purchase or at the moment of settlement was something he hadn’t tested and had no way of knowing without trying.

The custom debit card removed the uncertainty entirely. Money out of his account, rebate in. The same clean mechanic he had been working with from the beginning, but now with a card that matched everything else his life had become.

The Reserve Card he would keep. The most obvious reason was the unlimited spend ceiling that meant no preset limit, no ceiling, no transaction that would be declined on the basis of size alone. That was a feature worth having access to, even if he rarely needed it.

Though if he was being precise about it, the system had already made his debit card functionally limitless in its own way. Every time he spent, the rebate returned more than he had put out. His balance didn’t deplete. It only grew. A card drawing from an account that replenished itself faster than it could be emptied was, in practical terms, without a ceiling.

But there was a limitation the system couldn’t overcome, and it was a structural one.

A debit card was only as fast as the account balance behind it. If he wanted to make a single transaction large enough to move the balance in a meaningful way the bank’s own transaction limits and verification protocols would slow things down.

Things like daily spending caps, transfer ceilings, fraud flags triggered by unusual activity. These were systems built to protect account holders, and they applied regardless of how much money was sitting in the account. They didn’t care that the balance would recover. They only saw the size of the transaction and responded accordingly.

The Reserve Card had none of those constraints. JP Morgan’s credit infrastructure absorbed transactions of any size without friction. No daily cap, no verification delay, no flag. Just a clean approval and a bill periodically, probably at the end of the month.

For the kind of high-value single transactions the system rewarded most, that mattered.

Not only that but the the prestige the Reserve Card carries is something even his custom debit card might not match. Especially since the debit card would look almost no difference from the Reserve Card.

So, yes, the Reserve Card is important but the palladium debit card was the one he actually needed.

Steven closed the Reserve Card case, picked up the controller, and settled back into the cushions.

He continued the game from where he had left off.

As he played, his mind drifted to Adrian and the Chase relationship. Now that he was a private client of JP Morgan — Chase’s parent company, operating several levels above the retail private banking division he had walked into less than two weeks ago — the question of whether to maintain both relationships was a reasonable one.

Adrian had been good. Efficient, professional, and genuinely helpful at every point of contact. The onboarding had been smooth, the concierge service had delivered without friction, and the restaurant acquisition referral to Meridian had been exactly what he needed at the time. He had no complaint to make.

But a complaint wasn’t the point.

He decided not to dwell on it. He would make a final decision after the acquisition had been completed, when the immediate demands on his time had settled and he could think about the longer term structure clearly.

That was what he told himself.

But if he was being honest, the decision had already been made. It had been made the moment Hargreaves sat down across from him and described a coordinated team of legal, tax, investment, and operational professionals operating as a single unit around his specific situation. It wasn’t a relationship manager or a concierge line. But a team.

There was no version of that comparison that ended in favour of staying where he was. Adrian had been the right fit for where Steven had been two weeks ago. JP Morgan was the right fit for where he was going.

"No need thinking about it," he muttered, as he returned his full attention to the game.