Bank of China black card application conditions: Bank of China’s black card adopts an invitation mechanism, with assets of more than 8 million in the bank, annual income of more than 100,000, cadres at or above the deputy section level of administrative institutions or Chinese Only formal employees of Fortune 500 companies may be invited.
Bank of China recently issued two types of black cards. One is the Great Wall Express Card, which is specially opened for customers with bank assets of more than 8 million. Not only does it have a huge overdraft limit, but it can also enjoy VIP services in banking business. The other is the Bank of China Unlimited Card, which has much higher admission requirements than the Great Wall Express Card. It is specially developed for people at the top of the country's richest list, and its overdraft limit has no upper limit. Bank of China’s black card does not require you to apply for it. It is a card type that is automatically issued by the bank after evaluating the customer’s assets.
1. Bank of China black card limit
Bank of China has launched an unlimited credit card for high-end customers. The card surface is black and the overdraft limit is between 3 million and 6 million. Although it is called an unlimited credit card, the fixed limit of the card still has an upper limit. The actual limit of the card will vary depending on the credit qualifications of the cardholder. But as a high-end credit card, the card’s benefits are still very exciting.
2. Definition of bank card:
1. Bank card is a card issued to the society by financial institutions such as commercial banks and postal savings and remittance institutions with the functions of consumer credit, transfer settlement, deposit and withdrawal A credit payment instrument with full or partial functions such as cash. Bank cards include credit cards and debit cards.
2. Deposit card is a financial transaction card issued by banks to provide financial services to depositors. It is a type of debit card. There are two types: magnetic stripe and chip. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS. From the definition, it can be seen that savings cards belong to the debit card category among bank cards, that is, bank cards include savings cards.
3. Differences in bank card functions and uses:
1. Bank card is a credit payment instrument with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.;
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2. Debit cards can be used for deposits and withdrawals at networked ATM machines and bank counters, as well as consumption at networked POS.
IV. Precautions for bank cards
1. When entering the password, be sure to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of the ATM machine, for the sake of safety , do not use it, and inform the bank immediately;
2. To prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;
3. It is best to store your bank card and ID card separately. Do not lend your bank card to others, and do not disclose your bank card number and password at will;
4. When swiping your card for consumption, do not let your bank card Get out of sight and pay attention to the number of times the cashier swipes the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your own card;
5. Activate the mobile phone SMS service. Keep abreast of account changes at any time, and call the bank immediately to report the loss once abnormal transactions are discovered;
6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.