What is a black card?

First, a black card refers to the American Express Centurion Black Gold Card.

A black credit card is called "the king of cards" by people in the industry. The Centurion Black Gold Card issued in China has a fixed amount because it is a credit card.

Second, the Centurion Black Gold Card issued by American Express has the following services:

1. Extraordinary global travel. ICBC Express Centurion Black Gold Card Travel Service Network is spread all over the world. Professional travel consultants provide full management services. Whether traveling for business or private, members can enjoy a tasteful, comfortable and pleasant journey:

international airline discount. ICBC Express Centurion Black Gold Card international flight service, providing VIP treatment for world-class airlines such as Delta Air Lines, Etihad Airways and Trans-Shandong Airlines.

private jet courtesy. ICBC Express Centurion Black Card Service Team can arrange exclusive helicopter or private air travel for members, as well as the courtesy of limousines, double-decker luxury buses and gorgeous carriages to meet the various driving needs of members.

2. Achieve life etiquette. No matter at home or abroad, the "follow one's inclinations" and meticulous protocol service team of Centurion Black Gold Card Zun is always on standby. At the same time, members can also enjoy a series of life privileges:

global shopping courtesy. American Express cooperates with world-class brands to customize the shopping plan for the members of ICBC Express Centurion Black Gold Card. Provide exclusive invitations for major brand promotions, new product launches, night shopping activities, designer clothes and special offers.

special hospitality in selected high-end restaurants. ICBC Express Centurion Black Card provides its members with the best banquet and gourmet gifts in luxury restaurants where celebrities gather in China, and enjoys the delicacies and discounts of more than 34 special merchants, as well as the privileges of Ritz-Carlton, Peninsula and Marriott Hotel in China.

1. Comparison of differences

As domestic policies prohibit foreign card organizations from independently issuing charge cards in China, American Express changed the Centurion series cards into credit cards in China, and authorized Industrial and Commercial Bank of China, China Merchants Bank and Minsheng Bank to issue them. Therefore, the centurion black gold card issued in China is obviously different from the centurion black gold card issued abroad. The specific differences are as follows:

2. Differences in card nature

The Centurion Black Gold Card issued abroad is a credit card with a repayment period of one month. Full payment must be made when due, and there is no installment payment; The Centurion Black Gold Card issued by domestic cooperation is a credit card. According to different policies, the repayment period is generally around 6 days, and it can be paid by installments.

3, card limit difference

There is no upper limit on the number of centurion black gold cards issued overseas. In theory, any valuables can be purchased, only the risk control limit (that is, American Express will set the risk control limit according to the cardholder's consumption habits and daily consumption amount. If the cardholder purchases more than the limit, the staff of American Express will confirm with the cardholder by phone, and after confirming the identity, American Express will complete the payment).

The Centurion Black Gold Card issued in China is a credit card, so the card has a fixed amount, and there is no such thing as "unlimited amount". The amount of black gold cards issued by ICBC and China Merchants Bank is about 2-1 million yuan. When purchasing goods exceeding the amount, you need to apply to the bank for a temporary amount in advance.

4. Differences in card materials

The centurion black gold card issued abroad is a metal card made of titanium alloy; In China, only the centurion black gold card issued by Minsheng Bank is a metal card made of titanium alloy, while the centurion black gold card issued by Industrial and Commercial Bank of China and China Merchants Bank is a plastic card made of PVC.

what is a black card? What are the rights and interests?

There will always be a series of black cards in banks, but black cards are unfamiliar to many people. Most people don't know about black cards, only have a vague concept, and know that black cards are for high-end people. So, what exactly is a black card? What rights does it have?

what is a black card?

The so-called black card is actually the top credit card, which can let people from all over the world serve you. It is also called the noble card.

like ordinary credit cards, customers take the initiative to apply for a card in the bank, and they can only get it after examination, but black cards are different. Black cards can only be owned at the initiative of the bank.

what are the benefits of a black card?

As a top credit card, all holders of black cards can enjoy the best service, which can be said to be all-inclusive, very user-friendly and intimate. Banks with black cards will provide customers with "all-round personal assistant" service, and the bank's promise is that anyone who can think of it can do it.

That's why it's called "noble card". With a black card, you can go in and out of upper-class social circles at will, expand your contacts and so on. For black cards, there is no such thing as "credit limit". Because the credit line of a black card can be improved intelligently, it can be said that there is no upper limit.

Generally speaking, a black card is a top credit card with no overdraft limit, and the cardholder can enjoy the top exclusive privileges, rights and services of members in the world. Because this credit card is offered by the bank according to the customer's conditions, it is impossible to apply.

Is the global black card a credit card?

Is the global black card a credit card?

The black card is also a kind of credit card, which was introduced by Citibank in 1999. The essence of the global black card is a member identification card. The real housekeeper provides cardholders with a complete set of elite life management services, including travel, privileges, good things and many other fields, mainly to let members experience a higher quality of life, which credit cards do not have. And at present, the bill signing function has been opened, and you can overdraw first and then repay.

Black card is the highest-end credit card, which is generally only for private banking customers. Credit card grades are generally Puka, Gold Card, Platinum Card, Diamond Card and Black Card. Black card is the king of credit cards. This kind of credit card can't accept applications like other credit cards. People who can own this kind of card are invited by the bank to join. This kind of credit card is very distinguished and shows the status of the cardholder. Although it will charge an annual fee of about 1, RMB per year, it is easily accepted by top cardholders. Generally, credit cards are obtained only after customers take the initiative to apply for a card at the bank and pass the examination, but black cards are different. Black card is a symbol of all dignity. Black card is different from other credit cards in choosing the top customers. Therefore, people who hold black cards are invited by banks. Therefore, people with black cards can enjoy the best service, one of which is that black cards have no credit limit. As long as the black card holder is willing to spend goods at any price, even a helicopter. The so-called black card is the top credit card, and it is also a noble card to let people from all over the world serve you.

what does a black card mean?

a black card is a top credit card that does not set an overdraft limit and does not accept applications.

A black card is a top-class credit card. Generally speaking, it is not publicized and does not accept customers' applications. Only banks can actively invite customers to join.

A black card is a high-grade 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. Due to the very high level, the rights and interests that black cards can get and the amount that they can overdraw are far more than ordinary credit cards. Having a black credit card is usually a symbol of financial resources and status, and the bank promises to provide the most comprehensive service to black card users.

The invitation conditions of black cards are very strict. Take the invitation conditions of China Merchants Express Black Gold Card as an example. Users need to be members of Hurun Fortune Ranking, members of China Hong Kong Jockey Club, and people with an annual consumption of RMB 2 million in China or RMB 1 million abroad, and the president of a branch or above to write a letter of recommendation to get the invitation.

Citibank's black credit card named Ultima and American Express Company launched the black credit card named Centurion in 1999, which was called "the king of cards" by people in the industry. Some people say that only having this kind of black card can fully show the "distinguished status" of the card owner.

Black card refers to the black gold version of "Centurion Series Charge Card" issued by American Express (a Universal Picture company engaged in tourism and finance) in 1999. The whole card is forged from titanium alloy, so it is named because its card face is mainly black.

At present, due to domestic policy reasons, foreign card organizations are not allowed to issue debit cards, so the black cards of American Express can only be issued in the form of credit cards in China. At present, there are three cooperative banks: Industrial and Commercial Bank, China Merchants Bank and Minsheng Bank.

according to the staff of the bank, the invitation conditions of ICBC's black card credit card are that the annual average daily deposit is about 1 million RMB, or that they are the richest people on the Hurun Wealth List or members of the provincial CPPCC, while the requirements of China Merchants Bank and Minsheng Bank's black card credit cards are lower, with annual average daily deposits of 2 million RMB and 1 million RMB respectively.

Is a black card a credit card?

Credit cards are graded, and the top credit card is a black card. The top one is the American Express Centurion Black Card, which is a black gold card launched by American Express in Britain. It is also called a black card because the main color of the card surface is black.

Black cards can be overdrawn indefinitely without limit, but only abroad. Because domestic policies prohibit foreign card organizations from independently issuing debit cards in China, American Express authorized domestic industrial and commercial banks such as China Industrial and Commercial Bank, China Merchants Bank and China Minsheng Bank to change them into credit cards, so domestic black cards have a fixed amount, generally around 2 million to 1 million RMB.

It is understood that ICBC's identity requirement for cardholders is that they are the richest people on Hurun's wealth list or members of China Hong Kong Jockey Club, with an average annual daily deposit of more than 1 million yuan.

Although China Merchants Bank is not so strict with cardholders, the annual average daily deposit is more than 2 million yuan.

What is a black card for a credit card?

Credit cards are classified into general cards, gold cards, platinum cards and unlimited cards. Generally speaking, the credit card black card we generally refer to refers to credit cards with top authority, and banks can handle black cards. However, this kind of card is an invitation system, and applications are not accepted. Only banks can actively invite customers to join, which is extremely private and often has extremely high authority and quota.

It is estimated that no more than 1% of platinum card users in banks are invited by black cards. Black card owners are usually CEO, president or chairman of well-known enterprises and people with strong economic strength.

internationally, a black card generally refers to the American Express Centurion Black Gold Card, which is also called a "black card" because its main color is black. Centurion Black Gold Card is recognized as the "king of cards" in the world. The card is positioned in the top group and has no upper limit. Because the domestic issue is a cooperative issue, there is a quota limit.

American Express Centurion Black Gold Card holders are mostly politicians, billionaires and celebrities from all over the world, and are invited by American Express to apply for a card, so they do not accept card applications. Cardholders can enjoy the top exclusive privileges, rights and services of members in the world.

This concludes the introduction of whether a black card is a credit card or a bank black card is a credit card or a savings card. Did you find the information you need?