Cardholders are politicians, billionaires and celebrities, all of whom are handled through the invitation system and cannot take the initiative to apply for cards. If you don't invite us mortals, even if the assets exceed 100 million, you are not qualified to apply for a card, which means that you may not be qualified to apply for a centurion black gold card if you have money. Therefore, powerful people are also proud of having a centurion black card, which is a symbol of a person's status.
There are three banks that can open centurion black cards in China, ICBC Minsheng and China Merchants Bank. Perhaps the black card of Centurion was really high-end before and needed to be invited, but after cooperating with domestic banks, it became more close to the people. I have met several people with centurion black cards, all of whom are worth less than 5 million.
To put it bluntly, this is a large credit card. Moreover, there will be competition among the three banks, and each branch has the right to give you a dedicated channel when there is activity. After all, they also want performance, why should they hold it? I remember that in 19, a customer transferred money to China Merchants Bank. I saved about 3 million yuan in less than three months, and the next black card can be issued. Of course, the annual fee is not low, and Minsheng Bank also likes to engage in activities. Even if you don't engage in activities, you won't be trapped by tens of millions of assets.
The black card we usually refer to mainly refers to the centurion black card issued by American Express. This card has no upper limit in theory, which means you can spend as much as you want. More importantly, some services attached to this black card are beyond your imagination. This kind of black gold card has been circulating in the market. It is said that with a rich black card, there is nothing unexpected and impossible.
Black gold card customers can not only enjoy various super VIP services such as travel and hotel check-in, but also put forward some special requirements. For example, the daughter of a black cardholder is studying a course, and the research topic is to compare the sand in the Dead Sea and diving bay. As a result, his parents informed American Express of this situation, so the account manager of American Express arranged for a colleague to go to the Dead Sea in person and get a bottle of sand for the customer's daughter.
However, many domestic banks have issued their own black gold cards, and the departmental cards are not uniform. Therefore, according to the requirements of the topic, tens of millions of assets are not needed, and the standards of each bank in each region are changing and floating. Generally speaking, more than 500 thousand are diamond cards or gold cards.
When their assets reach more than 5 million yuan, some private banks can provide their own services. In the range of 5 million, it can basically meet the requirements of a considerable number of black gold cards of banks. The black gold card here is what we call a black card.
Banks are extremely strict with black gold card holders. It is understood that if you want to be a black card holder of ICBC, you must be a member of Hurun Fortune List or China Hong Kong Jockey Club. At least, your annual consumption should be more than 2 million, which does not include buying a big car and a house. Even if you meet the basic conditions, you may not become a black card holder, because this card can't be applied for voluntarily, and you have to write a letter of recommendation on it before you can approve it, which is very private.
Relevant persons of China Merchants Bank also said that top private banking customers care not about the annual fee, but the unique service experience and status. "People who are rich but not expensive do not meet the standards of black card holders."
Regarding the situation of black card customers, the staff of the two banks gave the same answer. "The people at the top of this pyramid are very mysterious, and even bank employees are generally difficult to reach."
Moreover, ICBC's black card requires an annual consumption of at least 2 million RMB in China or at least 6.5438+0 million RMB abroad, which does not include large-scale support such as buying a house and a car. The annual fee for black card is RMB 18000 yuan per year. Minsheng bank's black card requirements are relatively low, a
To sum up, in addition to the amount of assets, there are also requirements such as consumption amount, identity and deposit. And assets must be the minimum condition. Black cards are not for ordinary people. Why should we consider them?
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