It was time to use the [Universal Skill Selection Card] he had previously earned from completing a system mission.
Earlier, Chen Fan hadn't decided what skill to choose. But now—he had two clear options in mind.
One was: Top-tier Combat Mastery.The other: Top-tier Financial Management.
He had considered combat skills before, but today's incident at Wangjiang Pavilion brought the idea back with urgency.
After all, if today's confrontation had occurred outside his territory, and things had escalated into violence, he—an ordinary university student—would never have been a match for those brawny bodyguards.
If he decided to accept Wei Jingxiong's invitation and visit his estate, who knew what could happen? A man like Wei Jingxiong—a true crime-world overlord—was not to be underestimated. Having top-level combat skills might serve as a critical safety net.
That was only part of it.
The bigger picture was Chen Fan's long-term goal—taking down the Xu family of Jinling.
If the Xu family, when pushed into a corner, decided to retaliate recklessly, Chen Fan would need the power to protect himself.
Having this skill meant that in any dangerous situation, he'd be able to face it head-on.
The second option, Top-tier Financial Management, was also crucial.
As his net worth skyrocketed and the number of businesses under his name increased, his lack of financial knowledge would become a major problem.
He was, after all, just a sophomore with no formal training in economics or management.
Right now, he could still manage.But what if, one day, he had a dozen or even twenty companies?Without the proper skills, mismanagement could lead to collapse—even bankruptcy.
Unfortunately, he only had one [Universal Skill Selection Card].He had to choose just one.
And so, Chen Fan found himself torn between two vital paths.
After a long period of thought, he made his decision.
He would first select Top-tier Combat Mastery.
Safety first.
He could still handle his businesses for now, and with the system's help, there would surely be more chances to obtain financial management skills later on.
Having made up his mind, Chen Fan opened the system and located the skill selection card.
[Ding! Please input the name of the skill you wish to learn.]
He typed:
[Top-tier Combat Mastery]
[Ding! Congratulations! You have acquired Top-tier Combat Mastery. You are now a Master of Combat.]
A massive flood of memory and muscle knowledge surged into his brain and body.
Several minutes passed before Chen Fan slowly opened his eyes.
He clenched his fists, feeling an immense boost in power and control.
If he were to face the troublemakers from Wangjiang Pavilion again—
Those thugs would be flattened with one hand, without even breaking a sweat.
With this new mastery, he could now face future threats with calm and confidence.
It was getting late, so Chen Fan left the office and drove home.
On the way, he messaged Manager Zhao of Wangjiang Pavilion, instructing him to investigate Luo Zhixin, the owner of Drunken Immortal Pavilion.
He told Zhao to compile a detailed report and send it over by the following night.
"Know your enemy, know yourself, and you'll never lose a hundred battles."
Before taking on Luo Zhixin, he needed to understand his target completely.
"Understood, Boss."Manager Zhao immediately began the task.
When Chen Fan pulled into the garage, he immediately noticed a sleek black Rolls-Royce Phantom parked inside.
It was the custom luxury car he had just received as a mission reward.
Walking over, he felt a surge of pride.
He was very familiar with Rolls-Royce Phantoms. Back when he was in the Chen family, many of the family's senior members—including his third uncle—drove Phantoms.
But none of their cars could compare to this one.
His custom Phantom alone could buy several of theirs.
Chen Fan opened the door and sat inside.
The feeling of a business-class luxury sedan was vastly different from a sports car. Comfortable. Elegant. Dominant.
After appreciating his new Phantom, he returned to the villa.
Time flew.
The next morning, the system notification rang out once again:
[Ding!][Severance Day 6 Reward: World-Class Black Card – First Royal Bank of the Oil Nation, MasterCard Black Card (now placed in your villa's study)]
"Huh?"
Chen Fan was stunned.
He hadn't expected that today's reward would be the legendary black card from the Oil Nation's First Royal Bank.
He had heard of this card before—a card of global prestige.
This black card was issued only to royalty, billionaires, and world elites.
Even among elite black cards, the Oil Nation's First Royal Bank MasterCard stood out for its rarity and power.
More importantly—it couldn't be purchased with money.
The card was invitation-only.Only those personally invited by the First Group of the Oil Nation could possess it.
No matter how rich you were—without the invite, you couldn't have it.
Cardholders received 24/7 personal concierge service, capable of fulfilling any request.
It had no spending limit.
Spend as much as you want—the bank would never say no.
It also came with perks like:
Access to VIP lounges at all major airports worldwide
Membership to exclusive clubs and estates
And more…
It was the ultimate status symbol.
Chen Fan believed that he might be the only person in all of Jiangzhou to have this card.
Not even Old Master Chen, nor the richest man in the city, could compare.
This reward…
Was unimaginably generous.
Eagerly, Chen Fan headed to his study.
From a distance, he spotted a distinctive black card resting neatly on his desk.
Walking closer, he couldn't help but admire it.
"The Oil Nation's wealth and extravagance really do live up to their name…"
This First Royal Bank MasterCard Black was truly unlike any other black card he had ever seen.