The black credit card is a very high-level credit card with a relatively large credit limit and very comprehensive rights and interests. The black credit card allows unlimited overdraft with no limit, but it is only available abroad. At present, domestic banks that are qualified to issue black cards include Industrial and Commercial Bank of China, China Merchants Bank, China Minsheng Bank, etc. Domestic black cards have a fixed limit, generally around 2 million to 10 million yuan. Black credit card applications are not accepted and can only be actively invited through the banking system, and the invitation conditions are very strict. Most require cardholders to have an average annual daily deposit of more than 20 million yuan.