When it comes to bank cards, we are not unfamiliar with it. With the reform of payment methods, the role in life is needed, whether it is deposits and withdrawals or daily consumption. Speaking of black card , most people first learned from some literary novels and film and television works, but in reality they only heard of their reputations and did not see their appearance.
black card is not only a bank card, but more of a symbol of wealth. It is said to be an omnipotent existence. In life, only some top rich people can own it, but ordinary people do not have it. In my country, only three banks are allowed to issue black cards, and holders are rare. So what kind of bank card is a black card? What special function does he have? Why can't ordinary people have it?
1. Origin of black cards
Bank customers are divided into levels, VIP is a name for advanced users. Some merchants have again segmented VIP customers and divided the top users, namely black card users. The black cards in reality are indeed considered to be a symbol of the status of top rich people.
's earliest black card appeared in 1999, also known as the Centurion Black Gold Card, with a black appearance. After the financial crisis broke out in the United States, the financial industry suffered a fatal blow and the banking industry was also affected, resulting in the loss of a large number of top-level customers. In order to solve this crisis, Citibank first issued the "Ultima" credit black card, and then American Express also launched the "Centurion" credit black card, which is also called the "king of cards" by industry insiders.
Black Gold Card, like other bank cards, also requires a certain annual fee to be paid every year. The annual annual fee for credit cards used by most people is only about 10 yuan, and the annual fee for black cards is as high as tens of thousands of yuan per year, and the annual card swiping limit must also reach a certain limit. Without strong economic strength, it is difficult to afford a black card. Any card swiping amount exceeds the cardholder's consumption habits, a bank staff will contact the cardholder to confirm.
2. The role of black cards
black cards were originally launched as credit black cards, and there is still a fundamental difference between them and credit cards. Credit cards are when banks give a certain credit loan limit based on the applicant's personal qualifications; black cards are not limited, so they can use as much as they want. Because of this, it is not that easy to obtain a black card. Only some top customers in the customer system can hold it. As a symbol of wealth, it does not have the only function of loans.
was originally issued to retain top-level customers. The bank provided customers with very comprehensive services. The card was allowed to be consumed globally and enjoyed the best treatment.
Each black card has a unique number and has a dedicated personnel to serve the cardholder. It is equivalent to the existence of a personal assistant. You can prepare services in advance and be proficient in languages in various countries. Book in hotels, upgrade passenger aircraft, adjust airport access, and enter and exit high-end clubs. As small as clothes matching, you will receive corresponding services. The bank will also help customers solve some emergencies. Within a reasonable range, there are only things you can't imagine.
3. China's black card
After my country's economy rapidly developed into the world's second largest economy, the centurion black card entered China in 2012. After adjusting the credit consumption market in China, the black card issued by Yuntong was quite restricted in China. Therefore, the issuance rights of the black card are authorized to Industrial and Commercial Bank of China , China Merchants Bank and Minsheng Bank . These three banks can issue their own black cards, becoming the only three banks in my country that can issue black cards.
Minsheng Bank's black card uses titanium alloy material, while the other two banks are plastic cards made of PVC material. The black cards issued by other domestic banks are only black in color, and they cannot enjoy the customer rights that the Centurion Black Gold Card can enjoy. The rights and interests of domestic black cards are not as good as those of Yuntong . Domestic black cards do not support unlimited consumption, but have more limits than ordinary bank cards. This is due to various restrictions on credit consumption in my country. The application for a black card is very different from that of an ordinary credit card.Only through invitations, banks will generally invite top platinum card users, that is, those who swipe cards more than 1.8 million yuan a year and last for several years, or are directly recommended by other black card users. When applying, the bank will also strictly review the applicant's identity, personal assets, consumption level, solvency, , etc.
ICBC black cards are divided into two types: one is the UnionPay brand private bank black gold card that can be applied for, and the other is the Centurion black gold card that cannot be applied for, which can be cooperated with Yuntong. The requirement for applying for the former is to make the total assets of in the bank exceed RMB 8 million, becoming the company's private bank account, with an annual fee of 18,000 yuan. The latter is an invitation from the bank based on the customer's consumption records, asset value, repayment ability, and the credit reliance of six stars, and the average daily deposit of 100 million yuan.
China Merchants Bank is the black card issued by China Merchants Bank Express Centurion Black Gold Card. The card material is similar to that of Industrial and Commercial Bank of China, and it is also an invitation system. After conducting various evaluations of relevant personnel, an invitation is made to apply for a black card. China Merchants Bank’s black card customers are mainly customers in its private banks. Annual consumption of RMB 2 million in China or RMB 1 million overseas is the basic requirement. In addition, China Merchants Bank's black card can apply for a secondary card, with annual fees of 36,000 yuan and 18,000 yuan respectively.
The credit black card issued by Minsheng Bank is the same material as the American Express black card, and is a single-currency card. The limit amount is around 2 million to 10 million, and it requires excess consumption. It must be applied to the bank, and the amount will increase as the customer's assets increase. Its processing standard is also to consume 2 million domestically or 1 million overseas, with an annual fee of 36,000 yuan. The card also has many rights and interests, covering all aspects of life and work.
4. Summary
black card is not an ordinary credit card, it is a symbol of status and affirmation of strength. It is its strict holding conditions that make black cards a mysterious existence in the world and make black cards more noble. Just from the perspective of its annual fee and consumption amount, it is not consumed by ordinary people.
With the rapid development of the domestic economy, more and more rich people are in my country, and more and more people can meet the standards of domestic black card holders. While holding a black card to show off one's identity and enjoy top-level high-end services, it also bears high annual fees and many invisible pressures and hard work. Whether at home or abroad, the economic price and effort required to obtain a black card are quite large.
Finally, the author wants to ask you how awesome the black card is? What do you think of black cards in this regard? Are you willing to make corresponding efforts to obtain a black card?
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