The credit limit of a black gold credit card is generally several million yuan, but it can be adjusted. Some banks stipulate that the credit limit of black gold credit card exceeds 5 million yuan and needs the approval of the chairman. In addition, if customers want to adjust the credit limit of black gold credit cards, banks will generally approve the adjustment as long as it is not used for other reasonable consumption purposes of corporate liquidity.

Black gold credit cards not only represent noble social status, but also provide thoughtful and meticulous financial services. In foreign countries, top-level customer service with credit card as the carrier covers a wide range, laying a billing system for high-end consumption and service. The Bank has deep cooperative relations with world-class hotels, resorts, airlines, restaurants, private clubs, golf clubs and agreement merchants. Black cards can not only cover daily services such as low-end supermarkets, health salons and gas stations, but also cover value-added needs such as entertainment, aviation and tourism. They have also become systematic in customizing services for goblin customers, including booking luxury yachts and private jets. But in contrast, the domestic service scope is relatively small, and the consumption system is not perfect.