Not everyone can have an "unlimited card" with a black gold credit card limit
Friends who apply for a credit card generally hope that the higher the bank limit, the better. Of course, an excessively high limit can To better meet consumer needs in daily life, but blindly pursuing high amounts does not make much sense. What is the limit of a black gold credit card? Many cardholders are curious. The limit is so high that many cardholders cannot reach their overdraft limit.
Black gold credit card application conditions
Domestic black card holders generally have the following labels: male, CEO, president or chairman of a well-known company, 35-60 years old, owns multiple cars, There are many luxury houses and private yachts and airplanes to enjoy.
1. How to apply
Take the China Merchants Bank Express Black Gold Card as an example. The card cannot be applied independently and is only issued to a select few of the highest-end through an invitation system. client. China Merchants Bank only reviews private banking customers and selects a small number of customers to become black gold card users.
2. Conditions for being invited
The Centurion Black Gold Card is invited to those who travel frequently and have a very high level of consumption in travel-related categories, luxury goods and catering. people who pursue distinctive exclusive experiences and respect for identity, value-added services and ultimate personalized services.
What is the limit of a black gold credit card?
Many people think that there is no upper limit for a black gold credit card, but this is actually wrong. The limit of a black gold credit card is generally several million yuan, but it can be adjusted. Some banks stipulate that if the limit of a black gold credit card exceeds 5 million yuan, the chairman of the board must approve it. As long as it is used for reasonable consumption, the bank will generally approve the adjustment. The credit limit of China Merchants Black Gold Credit Card is no exception, it can be called an “unlimited card”.
Not everyone can apply for a black gold card. The bank will consider the amount of a black gold credit card based on the customer's asset ownership and consumption purposes. Ordinary people cannot have such a high-end credit card. [img]
What is the general limit of Minsheng Snake co-branded black gold credit card?
Minsheng Bank and Snake team have cooperated on a joint credit card - Snake co-branded black gold credit card. This credit card is issued and has great collection value. However, if you apply for a card to meet daily overdraft consumption, then the limit is also very important. What is the general limit of Minsheng Snake co-branded black gold credit card? Let’s find the answer together.
Minsheng Snake co-branded black gold credit card is actually a gold card and a standard platinum card. The card surface is designed with a pure black background and the Snake gold logo, so it is called a black gold credit card.
Then, the Minsheng Snake co-branded black gold credit card limit is generally less than 50,000 yuan, and the platinum card is generally more than 50,000 yuan. The bank will determine the final initial limit based on the applicant's credit conditions.
Reminder, if the credit conditions provided by the applicant are average, it is very likely that the card will be rejected or the credit limit will be low.
However, many cardholders apply for this card not for daily overdraft consumption, but for collecting and enjoying card benefits. This credit card allows you to open the card without incurring annual fees, and you can also enjoy the benefits provided by Snake. Card friends have the opportunity to enjoy the following privileges: In the summer competition, the first three fans who hold this card and privately message Snake Girl through Snake’s official Weibo at 12:00 noon on the day before each game day can go to Snake during the next day’s game. VIP seats at home to watch the game.
What is the general limit of Minsheng Snake co-branded black gold credit card? It depends on the bank's rating of the applicant's credit conditions. If you want to obtain a high-amount credit, financial strength is the strongest guarantee, so proof of additional financial resources must be shown.
The limit of China Merchants Credit Card Black Gold Card may be tens of thousands or tens of thousands
China Merchants Bank’s credit card is famous in the credit card industry for its low threshold and high discounts. For us, it is a very good choice to apply for a black gold credit card, the YOUNG card of China Merchants Bank. Today, I will give you some knowledge about the limit of the black gold card of China Merchants Credit Card.
Chinese Merchants Bank Credit Card Limit Division
To know the limit of China Merchants Bank Credit Card Black Gold Card, we can first take a look at the credit limit division of China Merchants Bank Credit Card. China Merchants Bank's credit cards have three basic card levels: regular card, gold card, and platinum card. Their limits are:
Public card: 1,000-10,000; where there is no gold card, it can go up to 50,000;
Gold card: 10,000-50,000. City card only has gold card, and the limit is 50,000-50,000;
Platinum card: 50,000 plus temporary limit. Basically more than 60,000, but also more than 200,000.
Among them, the YOUNG card black gold credit card belongs to the gold card level, so its limit is between 5,000 yuan and 50,000 yuan, with a maximum of 50,000 yuan.
Methods to increase the limit of black gold credit card
So what should cardholders do if they are not satisfied with the limit of their black gold credit card?
Let me tell you that spending as much as possible with your card will help increase your credit limit. When using a black gold credit card, the number and amount of purchases should be as high as possible. Generally speaking, the total consumption amount within six months should be at least 30, which can prove that the cardholder uses the credit card more frequently and has high loyalty to the bank.
In addition, if cardholders can ensure that they repay their monthly payments in full and on time, and try not to use the minimum repayment amount, it will be easier to apply for a limit increase from the bank and be approved.
This is the explanation of the limit of the black gold card of China Merchants Credit Card
The difference between black gold credit card and platinum credit card
Black gold credit card and platinum credit card are both issued by banks A financial instrument for cardholders to use overdraft and enjoy rights and interests, but there are certain differences between the two:
1. Different card levels
Black gold credit card is a higher level than platinum credit card Card is the "King of Cards";
2. Different card-issuing targets
Black gold credit cards are only issued to a small number of high-end customers of banks, and ordinary people cannot apply for them, while platinum credit cards have credit conditions Any good customer can apply;
3. Credit card limits are different
Black gold credit card limits are generally between 2 million and 10 million yuan, and platinum credit card limits are more than 50,000 yuan;
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4. Different card benefits
The benefits of black gold credit cards are more high-end and comprehensive than those of platinum credit cards. It can be said that all requests are answered within the scope of issuance;
5. Different application methods
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Black gold credit cards do not provide customers with active application channels. Banks actively invite customers to apply for cards. Platinum credit cards have many application channels, such as online banking, mobile banking APP, WeChat public accounts, bank branches, etc.
What is the limit of the Industrial and Commercial Black Card?
ICBC has issued two black gold credit cards. The credit card limit standards are as follows:
1. ICBC American Express Centurion Black Card: The credit limit is between 2 million and 10 million yuan;
2. ICBC UnionPay Black Card: The credit limit is between 1 and 5 million yuan.
If the cardholder has a higher consumption demand, he can apply for a temporary limit from the bank in advance. As long as the limit is not used for investment, then it will generally be approved. However, I heard that the ICBC black gold credit card limit exceeding 5 million requires the signature of the bank president before it can be approved.
How much does it cost to apply for a bank black card?
Take the China Construction Bank black card as an example. The following conditions are generally required to apply: 1. The applicant is over 18 years old and has full civil capacity; 2 . Have assets of more than RMB 5 million in China Construction Bank; 3. The applicant has a good credit record and no overdue records. The card face is black and the overdraft limit is between 3 million and 6 million. Although it is called an unlimited credit card, there is still a fixed limit on the card, and the actual credit limit will vary depending on the cardholder's credit qualifications.
2. What is the level of the bank’s black card?
1. The black gold card is a type of VIP card of the bank and is the highest level. 2. There is no preset consumption limit for black cards. The thresholds for black cards of each bank are different. Take Hang Seng Bank as an example.
There are several conditions required for cardholders. First, you must have liquid assets of more than US$1 million. Second, you need to obtain a bank invitation. In addition to Hang Seng, UOB, American Express, and Citibank also have black cards. 3. The black card is an invitation system and cannot be applied for if you have money. The bank will invite customers with a certain social reputation to apply for it, such as "chairmen of listed companies, etc." And it can’t be done only if you have money, it can only be done by invitation from the bank!
3. What is the concept of black bank card?
American Express launched a black credit card called "Centurion" in 1999, which was called the "King of Cards" by industry insiders ". Some people say that only by owning this kind of black card can the noble status of the card owner be fully demonstrated. Because this kind of black card does not accept applications, only banks actively invite customers to join. In China, black bank cards usually represent credit cards with higher credit limits and provide more benefits, but the cards are not black. Black cards only represent a concept.
The application conditions for ICBC’s black card are very strict. The basic conditions are that the applicant is on the Hurun wealth rankings, or is a member of the Hong Kong Jockey Club, with an annual consumption of more than 2 million yuan. You may not be able to get it even if you meet the basic conditions, because the black card is subject to strict review and confidentiality, and requires a letter of recommendation from the branch president or above to be more likely to pass.
What is the limit of a black gold credit card?
The application requirements for a black gold credit card are very demanding. The first choice is to examine the customer's asset size, asset liquidity, lifestyle, consumption habits, and the customer's contribution to the bank. Spend. On the other hand, the application conditions for black cards also highlight the permissions of black gold credit cards. Black gold credit cards not only represent the distinguished social status of the cardholder, but also provide thoughtful and meticulous financial services, which also means the high limit of black gold credit cards.
Many people think that there is no upper limit for black gold credit cards, but this is actually not correct. So, what is the limit of a black gold credit card? It is usually several million yuan, but it can be adjusted. The bank will take into account the customer's asset ownership and consumption purposes. Most people cannot have such a high-end credit card. Some banks stipulate that if the black gold credit card limit exceeds 5 million yuan, the chairman's approval is required. In addition, if the customer wants to adjust the black gold credit card limit, as long as it is not used for other reasonable consumption purposes of corporate working capital, the bank will generally approve the adjustment. In short, black gold credit card It can be called an "unlimited card".
That’s it for the introduction of the black gold credit card limit.