Some netizens asked - "Do people who have a black bank card have to have assets worth tens of millions?" In fact, a black card is not only a symbol of wealth and strength, but also a symbol of wealth and strength. It represents a certain social status. I believe many people don’t know much about black cards. Let me introduce black cards to you next.
What is a black card?
In fact, black cards originally originated abroad. Since credit cards are used for transactions abroad, foreign countries will prepare specific credit cards for specific customers. Then black cards were born. Speaking of black cards Many people will think of American Express's Centurion Black Gold Card, which is the black gold card version of the "Centurion Series Charge Card" issued by American Express (a global company engaged in travel and finance) in 1999. Forged from alloy, the card surface is black, the credit limit is unlimited, the repayment period is one month, and there is no installment treatment. American Express will make a phone call to verify after receiving the user's request.
It can be said to be the top black card in the world. The annual income must be more than 5 million U.S. dollars and the assets should be no less than 30 million U.S. dollars. If according to this standard, the number of people who can receive this card will be greater than that of the whole world combined. Not many people either.
At present, American Express cooperates with three domestic banks, ICBC, China Merchants Bank and China Minsheng Bank, to issue the "domestic version" of the Centurion Black Card (actually a special platinum-level credit card customer), and the standards have actually been lowered.
1. ICBC Centurion Credit Card
The ICBC Centurion Black Gold Card issued by Industrial and Commercial Bank of China is called "ICBC Centurion Black Gold Card", and its limit is generally between 2 million and 10 million. credit card. Pure magnetic stripe card, PVC material. The application conditions are very strict. First of all, you need to be an ICBC credit card customer with a credit rating of at least 6 stars and an average daily deposit of one million or even ten million. Card holders must be a member of the Hurun Wealth Ranking or a member of the Hong Kong Jockey Club. , active applications are not accepted and must be recommended by a branch president or above. The annual fee for the main card is 18,000 yuan/year.
2. China Merchants Bank Centurion Credit Card
The China Merchants Bank American Express Centurion Black Gold Card issued by China Merchants Bank is also made of PVC plastic and integrates American Express and The rights and interests of China Merchants Bank’s top VIP lounge. It is mainly aimed at private banking customers of China Merchants Bank. Generally, private banking customers start with a starting price of nearly 10 million. If you apply, you need to provide proof of identity and asset certificate, and the bank needs to actively invite the application. The annual fee for the main card is 3,600 yuan/year, and the supplementary card also costs 1,800 yuan/year.
3. Minsheng Bank Centurion Credit Card
The Minsheng American Express Centurion Black Gold Card issued by Minsheng Bank is made of the same titanium alloy as the American Express card. Material, but it is a single currency card. The annual fee of 36,000 yuan is quite luxurious, but the starting limit of 1 million is also very good.
In summary, there is no doubt that the black card holder’s ability to obtain the holder’s wealth, but you do not need to have money to apply for a black card. You also need to meet some other conditions, so to a certain extent , the black card is also a symbol of social status.