Usually, the amount of a black card is several million yuan, so the cardholder's personal qualifications and financial resources must be strong enough. At least the annual consumption should be more than 2 million, excluding large-scale car purchase and house purchase. Moreover, it is impossible to apply for a bank black card on its own initiative, and only users invited by the bank are eligible to apply for a black card.
Black card holders can enjoy the world's top exclusive privileges, rights and services. And there is no limit (domestic limit is 200-100000). You can buy all over the world with this card. You can enjoy top honors, customized exclusive services and unparalleled global benefits, including all-day "responsive" concierge service, VIP seats for various global events and top private clubs in major cities around the world.
Legal basis:
Measures for the administration of bank card business
Article 5 Bank cards include credit cards and debit cards. Bank cards are divided into RMB cards and foreign currency cards according to different currencies; According to the different issuing banks, it can be divided into corporate cards (business cards) and personal cards; According to different information carriers, it can be divided into magnetic stripe card and ic card.
Article 6 Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.