China Merchants Bank Credit Card is the first top-level credit card in China aimed at the top domestic rich, but the application rate is relatively low. There are also credit cards from China CITIC Bank, Shanghai Pudong Development Bank and China Guangfa Bank. The starting point of diamond credit card of China Everbright Bank is 300,000, and the starting point of China Construction Bank is as high as 500,000. In terms of overdraft limit, the maximum limit of many banks such as China Merchants Bank and Bank of Communications is 3 million yuan, and the maximum limit of CCB diamond card can reach 5 million yuan.
The black credit card named "Ultima" of Citibank and the black credit card named "Centurion" introduced by American Express Company 1999 (China Merchants Bank Centurion Black Gold Card) do not accept applications, and only banks actively invite customers to join. For black card holders, there is no so-called "credit limit", which is the so-called unlimited overdraft credit card.
It is understood that most banks do not accept customers to apply for unlimited cards. The bank sends out the invitation on its own initiative, and the customer can only apply after receiving the invitation from the bank. Customers with unlimited cards need to have a good credit record besides earning several hundred thousand yuan a year and having certain assets in the bank. According to the financial manager of private bank of Sichuan Branch of Bank of Communications, the standard for Bank of Communications to handle unlimited cards is that the financial assets of customers reach more than 8 million yuan.