Credit cards are graded, and the top credit card is a black card. On the top is the American Express Centurion Black Card, which is a black gold card launched by American Express in the UK. Because the main color on the surface of the card is black, it is also called black card.

Black cards can be overdrawn indefinitely, without limit, only abroad. Because domestic policies prohibit foreign card organizations from issuing debit cards independently in China, American Express authorizes domestic industrial and commercial banks such as China Industrial and Commercial Bank, China Merchants Bank and China Minsheng Bank to change them into credit cards, so there is a fixed amount of domestic black cards, generally ranging from RMB 2 million to RMB100000.

It is understood that ICBC requires cardholders to be the richest person in Hurun Wealth or a member of China Hong Kong Jockey Club, with an average annual daily deposit of over 654.38 billion yuan.

Although China Merchants Bank is not so strict with cardholders, its annual average daily deposit is more than 20 million yuan.