If I were a genius, I would design a credit card with no rewards, an account set up fee of $29, a program fee of $95, an annual fee of $48, and a monthly servicing fee of $84. Then I would booger glue a fake credit card onto the paper, call it “WaMu” for whatever reason, and send it to a geek named Josh. That way he would write about it on his blog and my card would be famous.