Silver cards and black cards are two different levels of credit cards. Generally speaking, the amount and benefits of silver cards are relatively low, and the application threshold is also low. The black card is a symbol of high-end, distinguished and luxurious service. There is almost no upper limit on the credit line, and the application conditions are very harsh. Only a few rich or high-net-worth individuals have the opportunity to own it.

The main types of silver cards are ordinary credit cards, prepaid cards and debit cards. Generally speaking, most people who hold silver cards are ordinary middle-class people, who are used for daily shopping and payment and can enjoy some credit card benefits.

The black card mainly promotes people's social status and wealth status by virtue of extremely high credit line and distinguished service enjoyment. Most people with black cards are high-end rich and successful people, and banks will also provide them with exclusive financial advisors, insurance, entry and exit services, personal assistants and other luxury services, and even some special benefits and concessions such as high-end shopping and tourism.

The application for a silver card is relatively simple. You can apply for it as long as you have an ordinary income certificate, ID card, bank card, etc. In contrast, it is more difficult to apply for a black card, because the cardholder's assets, social status, consumption behavior, credit record and other aspects will be strictly examined, and generally need to have high wealth, influence and stable income sources to get a black card. Therefore, although the silver card and the black card are both credit cards in a sense, there is a huge gap in social status and consumption power behind them.