Because this card is a high-end credit card. According to official website information of Bank of Communications, Black Card is a high-end credit card launched by Bank of Communications. Compared with other ordinary credit cards, Black Card has higher credit limit and more privileges and benefits. Because the audience of black cards are mainly high-net-worth customers and VIP customers, the threshold for obtaining black cards is high, and applicants need to meet certain conditions such as financial strength and consumption level. Bank of Communications, founded in 1908, is one of the oldest banks in China and one of the note-issuing banks in modern China.