For a black card, if you apply for a debit card, then the money you swipe is from your bank card. If you apply for a credit card, then the money you swipe is borrowed from the bank, and of course you have to pay it back. Bank's.

Black card, also called Diamond Card, is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions.

Extended reading:

UnionPay cards are subdivided into four categories: ordinary cards, gold cards, platinum cards and diamond cards based on card levels and service benefits.

Like other UnionPay cards, the card number of the UnionPay Diamond Card starts with 62 and has the UnionPay logo on the card face. The target customer group is social elites and/or professional elites. The "Diamond Card" product name in English or in English and in common local text is printed in the card issuer identification area on the front of the card, or the "Diamond" Diamond Card product identification pattern uniformly designed by UnionPay is used on the card surface. Usually black and metallic/pearlescent black are used as the base color of the card surface.

In addition to all financial functions, the UnionPay Diamond Card also provides a 24-hour exclusive service hotline, online banking services, account change SMS reminder services, and counter priority services. On this basis, it is also equipped with value-added services such as public transport accident insurance, airport VIP lounge services, health exclusive medical care, golf reservation services and financial management butlers. In addition, the card-issuing bank has equipped the card with personal butler service, exclusive club reservation service and professional consulting services.