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When this card is Flip or Special Summoned: You can add 1 "Ninja" monster from your Deck to your hand, except "Ninja Grandmaster Hanzo"

C Common Despian Tragedy X DARK Level 1 [ FairyEffect ] ATK 400 DEF 400 If this card is sent to the GY, or banished, by card effect: You can add 1 "Despia" monster from your Deck to your hand, except "Despian Tragedy"

There arent many cards, fair credit or not, that offer credit limit increases, especially one within six months, so this card definitely has an edge over most cards and their credit-building features

For example, Mox Jet adds one black mana to the mana pool when tapped, allowing for such an extreme mana acceleration that it gives players an unfair advantage in play

If Joey is not there, go to the building and talk to him