Credit card. Black card is a credit card, which refers to the American Express Centurion Black Gold Card. At present, the domestic banks that issue black cards mainly include ICBC, China Merchants Bank, Minsheng Bank and Ping An Bank. It's a relatively high-end credit card, which most people can't apply for. Only a few VIP customers of the issuing bank can receive the invitation to apply for a card. In addition, there is a global black card on the market, not a credit card, but a membership card with advanced VIP privileges. Although the rights enjoyed by cardholders are similar to those of credit cards, they are not issued by banks and cannot be used for daily consumption overdraft.