The service purpose of the black gold card belongs to the highest level, and any request of the cardholder, no matter where it is, will be immediately responded and assisted. Once a cardholder's daughter was suddenly hospitalized and could not attend the concert of the idol rock band Red Pepper. In order to fulfill his wish, the centurion's exclusive life consultant for the black card and gold card tried his best to contact the orchestra's brokerage company, so that the lead singer of the orchestra could visit the small fans before the performance.
Because domestic policies prohibit foreign card organizations from issuing charge cards independently in China, American Express changed the centurion series cards into credit cards in China, and authorized China Industrial and Commercial Bank, China Merchants Bank and China Minsheng Bank to issue them. Because of this, there are obvious differences between the domestic centurion black gold card and the foreign centurion black gold card. The specific differences are as follows:
Card nature difference
The centurion black gold card issued abroad is a debit card, with a repayment period of one month, and it needs to be repaid in full at maturity, without installment payment; The centurion black gold card issued by domestic cooperation is a credit card, and the repayment period is generally around 60 days according to different policies, and it can be repaid by installments.
Card limit difference
There is no upper limit on the amount of the Centurion Black Gold Card issued abroad, so in theory, you can buy any valuable goods, but 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, and the cardholder will buy goods exceeding this limit, and American Express staff will confirm with the cardholder by phone, and American Express will complete the payment after confirming the identity); 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 200-100000 RMB, so it is necessary to apply to the bank for a temporary quota in advance to purchase goods exceeding the amount.
Card material difference
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 China Minsheng Bank is a metal card made of titanium alloy, while the centurion black gold card issued by China Industrial and Commercial Bank and China Merchants Bank is a plastic card made of PVC.