The black credit card named Ultima of Citibank and the black credit card named Centurion of American Express Company were launched in 1999, which was called "the king of cards" by the insiders. Some people say that only with this kind of black card can the "distinguished identity" of the card owner be fully displayed. Because this kind of black card does not accept applications, only banks actively invite customers to join. It is reported that the black card owners of Express are very few 1% top customers. The high annual fee (about 6,543,800 yuan) has become an unimportant factor. According to relevant persons of Citibank, it is expected that no more than 65,438+0% customers in Hong Kong will become holders of Ultima cards. "Only a few people have this qualification.

There is no so-called "credit line" for black card owners.

You can't find the trace of this card on the homepage of American Express. No publicity, no application. American Express only selects 1% of its Platinum Card users as the specific target for issuing cards. Usually, the owner of a black card is like this: the CEO, president or chairman of a well-known enterprise is between the ages of 35 and 60, with an annual income of at least100000 USD. He owns many cars and mansions, and likes to drive private yachts and planes for a ride ... The minimum annual consumption of centurion cardholders is $250,000.

Six domestic banks issue corresponding high-end credit cards. If you want to apply for a black card of American Express, you can't apply. American Express only selects 65,438+0% of its Platinum Card users as the specific card issuing target.