What does black card mean?
Black card is a top-notch credit card that has no overdraft limit and does not accept applications.
The black credit card is a top-notch credit card. It is generally not promoted to the outside world and does not accept customer applications. The bank can only actively invite customers to join.
A black card is a high-level special credit card. The card is made of special materials and does not accept active applications. The bank must actively invite users to obtain a black card. Because the level is very high, the privileges and overdraft limits available to black cards are far greater than those of ordinary credit cards. Owning a black credit card is usually a symbol of financial resources and status, and banks promise to provide the most comprehensive services to black card users.
The invitation conditions for black cards are very strict. Here we take the invitation conditions for China Merchants Express Black Gold Card as an example. Users need to be members of the Hurun Wealth Ranking, members of the Hong Kong Jockey Club, and have an annual domestic consumption of 2 million yuan. Or people with RMB 1 million overseas, branch president or above can write a recommendation letter to be invited.
Citibank's black credit card called "Ultima" and American Express launched a black credit card called "Centurion" in 1999, which is called the "King of Cards" by industry insiders. Some people say that only by owning this kind of black card can the card owner's "noble status" be fully demonstrated.
The black card refers to the black gold card version of the "Centurion Series Debit Card" issued by American Express (a global company in travel and finance) in 1999. The entire card is forged from titanium alloy. It is named after its card surface which is mainly black.
Currently, due to domestic policy reasons, foreign card organizations are not allowed to issue charge cards, so American Express’s black cards can only be issued in the form of credit cards in China. The current cooperative banks include Industrial and Commercial Bank of China, China Merchants Bank, and China Minsheng Bank. .
According to bank staff, the invitation conditions for the ICBC black card credit card are that the annual average daily deposit is about 100 million yuan, or that one is a rich man on the Hurun Fortune List or a member of the provincial CPPCC or above. The black card credit card requirements of China Merchants Bank and Minsheng Bank are lower, with annual average daily deposits of 20 million and 10 million respectively.
Is Global Black Card a credit card?
Is Global Black Card a credit card?
Black card is also a type of credit card. This black credit card was issued by Citigroup in 1999. A card issued by a bank. The essence of the Global Black Card is a membership identification card. A real butler provides cardholders with a complete set of elite life management services, including travel, privileges, goodies and many other areas. The main purpose is to allow members to experience a higher quality of life. These are credit cards What it doesn’t have. And now the order signing function has been enabled, allowing you to overdraft first and repay later.
The black card is the most high-end credit card and is generally only available to private banking level customers by invitation. Credit card levels are generally regular card, gold card, platinum card, diamond card and black card. Black card is the king of credit cards. This kind of credit card cannot accept applications like other credit cards. People who can own this kind of card are actively invited by the bank to join. This kind of credit card is very noble and shows the status of the cardholder. Although it charges an annual fee of about 10,000 yuan per year, it is easily accepted by top cardholders. For general credit cards, customers take the initiative to apply for a card at the bank and can obtain the credit card only after approval, but black cards are different. The black card is a symbol of all dignity. Unlike other credit cards, the black card selects the top customers. Therefore, people who hold black cards are actively invited by the bank. Therefore, people who hold black cards can enjoy the best services, one of which is that black cards have no credit limit. As long as the black card holder is willing to use the card to purchase goods of any price, even a helicopter can be purchased with the card. The so-called black card is a top-notch credit card, and it is also considered an aristocratic card that allows people from all over the world to serve you.
Is a black card a credit card?
Credit cards are divided into levels, and the top credit card is a black card. The top one is the American Express Centurion Black Card, which is a black gold-level card launched by American Express in the UK. It is also called a black card because the main color of the card is black.
The black card can be used for unlimited overdrafts with no limit, but it is limited to foreign countries. Because the domestic policy prohibits foreign card organizations from independently issuing charge cards in China, American Express authorized the domestic Industrial and Commercial Bank of China, China Merchants Bank, and China Minsheng Bank to change the form of credit cards. Therefore, domestic black cards are There is a fixed amount, usually around 2 million to 10 million yuan.
It is understood that ICBC requires cardholders to be rich people on the Hurun Wealth List or members of the Hong Kong Jockey Club, with annual average daily deposits of more than 100 million yuan.
Although China Merchants Bank’s requirements for cardholders are not that strict, the annual average daily deposits are still more than 20 million yuan.
That’s it for the introduction of whether a black card is a credit card.