Shencheng in the middle of summer is the hottest, and walking on the street, Lu Yang only feels that the leather shoes on the soles of his feet are about to burn.

Hurriedly walking into the business hall of a bank, Lu Yang's face was anxious. An hour later, he came out of the business hall with a very ugly face.

"This bank is too bad...... It's all my fault for being cheap, what kind of credit card do you get! Sitting on the steps not far away in frustration, Lu Yangqing was very depressed.

Two days ago, Lu Yang suddenly received a bill from this bank, which showed that his credit card at this bank had been overdrawn and had incurred more than 5,000 fees. Seeing this, Lu Yang was stunned, and soon, he remembered that he had indeed applied for a credit card from this bank two years ago, but it seemed that he had never used it.

Lu Yang, who was confused, hurriedly asked the manager for leave and found time to come to the bank's business hall. The bank's customer service staff was very enthusiastic and quickly explained to him the origin of the more than 5,000 arrears.

It turned out that the credit card he ran at that time was a gold card, and according to the bank's regulations, the gold card has an annual fee, and the annual fee can only be waived if the card is spent more than six times in the current year. Lu Yang didn't know this, and after applying for the card, he opened the card stupidly, and he didn't use the card, and he incurred an annual fee of 300 that year.

It didn't take long for Lu Yang to change jobs, and the bank bill naturally couldn't be collected, so he couldn't pay back the arrears, and the guide accumulated more and more, and finally exceeded the credit card limit. If it weren't for one of his friends who happened to see these bills and informed him, I'm afraid Lu Yang would still be in the dark.

Looking back at the dazzling sign of the bank, Lu Yang could only admit that he was unlucky, and he had no other way than to make up for more than 5,000 yuan. If he continues to owe, maybe he will have to pay a huge amount of money in a few years. After all, such things are not unprecedented. There were also reports before that an old man repaid a few cents because of a credit card, and as a result, more than ten years later, the debt accumulated to more than 100,000 yuan......

Thinking of this, Lu Yang shuddered a little, and quickly stood up and fled from the bank.

Ten minutes after leaving the bank, Lu Yang walked to the Huangpu River.

It was three o'clock in the afternoon, the weather was hot, and there was no one else by the river.

Facing the hot wind on the river, Lu Yang took out the credit card from his pocket. Before in the business hall, he eliminated the card.

"I won't use this thing, leaving it in my hand can only make me angry......" Lu Yang held the credit card between the index and middle fingers of his right hand, and with a flick of his wrist, the credit card spun and flew out, falling on the river more than ten meters away, and disappeared.

Dealing with the culprit who made him lose more than a few thousand, Lu Yang's mood was not relaxed. In any case, he can't make up for this loss. Thinking that after graduating from high school, he worked outside for three years, and he only saved a total of 30,000 yuan, but he lost one-sixth of it in one fell swoop, and Lu Yang was distressed.

"More than 5,000...... What a damn credit card, I will never touch it again! Lu Yang shouted loudly into the river.

"What's that?"

At this moment, a ray of light pierced Lu Yang's eyes, making him couldn't help but take two steps back. There was a sudden scream in the air, and two seconds later, something hit Lu Yang's head, directly smashing him into a daze. Staggered to the stone pier next to him, Lu Yang was stunned.

Half an hour later, Lu Yang, who was sweating profusely, finally moved.

"It's ...... Credit card? But why is it so weird? Lu Yang let the sweat drip down and muttered to himself.

"Well, what are you doing there?" A voice behind him interrupted Lu Yang's thoughts, and Lu Yang looked back and saw that it was a nearby cleaner.

"It's okay, it's okay......" Lu Yang hurriedly wiped his sweat and left the riverside. The cleaner looked at him suspiciously, wondering if this person was sick, and in such a hot weather, he actually ran to the river to play.

It took more than an hour, and Lu Yang finally rushed back to the room he rented. Housing prices in Shanghai are too high, and in order to save money, Luyang rents a partition house close to the suburbs. Even so, Lu Yang was still a little distressed about the rent.

Carefully close the door, and confirm again and again, Lu Yang finally sat on the bed.

The partition room is less than six square meters, and there is almost no room to put your feet except for the bed.

"What the hell is it? Today's events are too weird. Lu Yang slowly calmed down, thinking about what had just happened. After five minutes, he tentatively reached out.

"Ding......

A crisp voice rang out in the room.

Lu Yang's eyes widened and he looked at the palm of his hand. In the palm of his hand, a soft but very dazzling light slowly appeared. Staring at the light, Lu Yang didn't feel dazzling......

A cloud of light like this came out of his hand, and it felt weird no matter how you looked at it.

However, Lu Yang was already mentally prepared and could still accept it.

"Drop!"

A crystal ball-like thing jumped out of the ball of light.

Lu Yang looked at the crystal ball carefully, cautiously.

The crystal ball looks ordinary, but it is very strange, it seems to be transparent, but it cannot be transparent, the sphere is like a mirror, but it does not reflect any picture......

"This thing, for sure, is not on Earth." Lu Yang came to a conclusion.

"Dear users, congratulations on being selected to become the first batch of users of Tiandao Credit Card......"

A soft voice came out of the crystal ball, startling Lu Yang.

"Talking...... It sounds like the name of the crystal ball is Tiandao Credit Card. Tiandao credit card, strange name. Lu Yang thought for a moment and continued to listen.

"If you're sure you accept this credit card, put your hand on it." The soft voice continued.

"A choice needs to be made."

Lu Yang understood, however, he didn't immediately put his hand on it.

If before today, in the face of such a strange thing, Lu Yang would definitely not hesitate. However, today's events made him a little resistant to credit cards.

Even if it's a magical credit card.

"Should I accept it?" Lu Yang looked at the crystal ball, and his eyes were full of changes.

"Please make your choice within three minutes, otherwise Tiandao Credit Card will re-select the user!"

Lu Yang hammered his palm hard, gasped loudly, and firmly put his hand on the crystal ball.

"This kind of opportunity is something that countless people don't have in their lifetime. Even if there is a trap in it, I can't give up. Lu Yang put aside all scruples and hesitations, and his attitude became firm. After dropping out of school to work for three years, Lu Yang understands the cruelty of this society better than ordinary people, and also understands the importance of opportunities, especially this fabulous adventure.

"This is my chance to change my fate!"

"Ding...... Bite...... Bite! Congratulations, Tiandao Credit Card has been successfully bound, and Lu Yang of Earth Life has become the 108th user of this series of credit cards! ”

"Life on Earth? The 108th user? Could it be that there are other extraterrestrial beings using this credit card? I don't know if there are other people on the planet who use it. "Lu Yang has been a salesman for three years, often dealing with customers, and his thinking has become very agile.

"Dear users, this credit card is issued by the Heavenly Dao of the Dominant Consciousness in the universe, and the users facing it are the lives of all life planets in the universe. According to the rules of the Heavenly Dao, each living planet can only have one Heavenly Dao credit card. ”

The crystal ball replied suddenly.

"Scared? Can you also answer my questions......" Lu Yang asked unexpectedly.

"Techdow Credit Card has round-the-clock smart services." Crystal fairway.

Lu Yang said: "It's really advanced, but it's much stronger than the previous credit card service." By the way, since you are an intelligent being, I will give you a name. Look at the way you look, just call it Qiuqiu. ”

"Dear customer, the name has been accepted." Qiuqiu replied.

"Okay, Qiuqiu, I don't know much about you yet, can you explain it to me."

"The issuer of the Tiandao credit card is the cosmic consciousness - the heavenly dao, and the card is issued to the life in the universe, and the main purpose is to promote the development and evolution of life. All users of Techdow credit cards have the responsibility to fulfill this mission. Qiuqiu said in very official terms.

Lu Yang lowered his head and thought for a while, he couldn't judge whether this statement was true or false. Of course, it doesn't matter if it's true or not, since he made his choice, the initiative has been completely handed over. In other words, even if someone were to use this thing to play with him, he wouldn't be able to. The task of being able to make such a thing, where can he afford to provoke.

Lu Yang didn't care about this. He is a salesman, and he knows very well that in this world, being used by others is nothing, and he is afraid that he has no value in being used. The most important thing is what you can get out of the process.

Lu Yang cares about the benefits he can get.

"Qiuqiu, if I can accomplish this mission, what will I get in the end?" Lu Yang said expectantly.

"Users will be rewarded by the Heavenly Dao." Qiuqiu's answer did not satisfy Lu Yang.

Lu Yang asked: "You always say that the Heavenly Dao of Cosmic Consciousness, so what is this Heavenly Dao?" ”

"Unexplainable." Qiuqiu replied dryly.

Lu Yang thought for a while, and put it another way: "Why does Heavenly Dao want life to develop and evolve?" To facilitate the development and evolution of life on Earth, what can I expect from the Heavenly Dao? ”

"The evolution of life in the universe is very important to the Heavenly Dao, but although the entire universe has countless stars, the number of living planets is extremely limited. The Heavenly Dao needs more life planets to appear, and higher civilizations need to appear. ”