The centurion card (CenturionCard), is often called "black card", "black gold", is a kind of debit CARDS issued by the American express company.And the maximum average credit card is different, the black card "no credit limit".[1] hold this top American Express Card products, free access to major cities in the world's top clubs, can enjoy the unique global top personal service excellence and taste enjoyment of preferential, including universal personal assistant, exclusive special preferential discount of tourism, leisure life, services provided by Banks and investment banking services commissioner and 24-hour comprehensive support, etc.
Express the centurion card, all black info, is the least circulation of American express, exalted above platinum card.The centurion card in view of the customer market is selective, is currently in the United States, Canada, Mexico, Europe, China, Hong Kong, Taiwan, South Korea, Japan, Australia and the Middle East and other regions.Depends on the issuing bank of the district is different, the centurion card services and benefits will be slightly different.As the invitation card, this card does not accept new customer application, invited object for express company other brands of credit card use brush calorie of consumption each year at more than $150000 to the user.The black card is not "enough money" can have, the customer must obtain bank's invitation to bid.In order to guarantee the quality of service and customer, the bank does not normally active publicity black gold.
Centurion card is must pass the invitation to apply for to use bank card, American express through the evaluation of customer equity, credit conditions and send invitation letter after consumption, but American express company and injustice, the centurion card at the invitation of the standard.But the American express company to describe the centurion card cardholder is a group of "with high net worth individuals and pursue the best and most unique to enjoy" individuals, they have their own company, often on a business trip, fully meet the definition of a successful person.At the same time the centurion card holders have be picky taste, is a group of truly global players in the in-depth inaccessible region.They never compromise and look forward to enjoy better service than people around treatment: customized personality service, unlimited financial ability to pay the travel deals, exclusive and clear influence around the world.The centurion card is not just a piece of bank card, more represents a high income and enjoy the luxury consumption society.The centurion card can pay for any man can want to use the item, and only accept the invitation to sign up and pay high fee
Edit cardholders' welfare
Member preferential treatment and welfare is as it should be:
Joining fee: hk $1 million or above; at least
1. The present accident insurance, 1.5 million yuan;
2. Give casino VIP membership;
A. to casinos in macau the VIP room advance fee half mud code entertainment (7 days free of interest);
B. the macau casino consumption, can get free ticket or hotel accommodation;
C. the casino code commission in return;
D. a week there will be a free ticket to the Philippines, Malaysia, the casino;
E. members outside the office private secretary service;
3 star hotel in Hong Kong and Macao as well as the asia-pacific region, and can enjoy more than 50 domestic golf course facilities and discount;
4. In addition to the famous, designer clothing, senior department, senior club and discount clubs, such as membership change mount vehicle, whether new won can enjoy discounts;
5., and Hong Kong legal advisor for free;
6. At the same time enjoy shopping and nightclub cash vouchers;
7. When members to friends and family membership, yatai group members will be 5% of the cash return, as a reward;
8. Every member to VIP level, such as don't want to continue to join, can be 8.5 fold of the initiation of a refund.
History editing
Release time
Black gold card, the world to the rich class have the privilege of a credit card.
In 1999, the American Express company (American Express) select the top customers in platinum card holders, as they released a top credit card - the centurion card (centurion) - commonly known as Express the black card, issued after a star, lift up for a whirlwind.This little black card is made of titanium alloy material, weighing less than 1 oz, but enough to help the cardholder to buy anything.
Saturday, June 6, 2015
Why use a credit card compared low ratio and the United States, Japan, and higher ratio of cash?
You ever think, when there is no t/t, the computer era of non-cash payment is what kind of way, the answer is the cheque.Credit card originally is not a bank, he can be traced back to the earliest large department stores and some shops membership card, the United States have long credit payment history, the general habit is a member of the store to more familiar with credit, send the bill to the customer, at the end of the customer to send the cheque to merchants, the merchants with a cheque to the bank to cash, convenient, and improve customer loyalty.Then, adopt credit + billing system, more and more businessmen, seize the opportunity, and have bank issued a special third party credit card, in order to resolve the individual users need to send all merchants to separate checks complex work, credit card granddaddy diners club was born.
Several credit card form, rooted in the American history background: 1, the long history of credit consumption and commercial credit system.2, bills + check means of settlement.3, developed retail banking business.
Japan is not have the condition of the above, so you cannot spontaneously credit card this business model, he is a complete import.
Same argument can be applied to machine, the somebody else's family household use machine, has never been popularized in China, because Chinese people s widespread use telephone, for almost half a century later than us.When Chinese people haven't started to use voice mail as a means of information transmission, the era of mobile phone is arrived.
Several credit card form, rooted in the American history background: 1, the long history of credit consumption and commercial credit system.2, bills + check means of settlement.3, developed retail banking business.
Japan is not have the condition of the above, so you cannot spontaneously credit card this business model, he is a complete import.
Same argument can be applied to machine, the somebody else's family household use machine, has never been popularized in China, because Chinese people s widespread use telephone, for almost half a century later than us.When Chinese people haven't started to use voice mail as a means of information transmission, the era of mobile phone is arrived.
Black card (black American express credit card)
Citigroup, called the "height" black card and American express company launched in 1999, called "Centurion" black card, the personage inside course of study called "the king of card".People say, it is only with the black card, can fully display card "exalted status" of the Lord.Because the black card does not accept applications, only the bank take the initiative to invite customers to join.It is reported, express the dark Lord is kaka a handful of 1% of the top level customers.And the high fee (10000 RMB) is not important factor.Citigroup officials said that Hong Kong customer, no more than 1% of people are expected to become the height card card master."Only a handful of people have this kind of qualification, estimated that only a few thousand people in Hong Kong will be invited."The source said.
Because of selection of the best quality customer, so the bank to "meticulously" card service of the Lord.
For the dark Lord, kaka is not "credit".Someone once asked, head of citigroup, if black kaka main want to buy plane charge line not line?The answer is: no problem.
In terms of customer service, introduced the card the Banks to provide customers "personal assistant" service.Bank's commitment is: as long as want to, can do it.
Express a black kaka, for example, the main call bank's customer service department in the south of France, said he and his car on the same train, but he was halfway out of the car after car was still on the train.As a result, the company's customer service department should contact the train company successfully, stop the train, to discharge the cargo from the other, to find the car card, let him continue to travel.
As a local Hong Kong tycoon wedding, in a remote mountain village in Italy he hopes to have a lion dance at the wedding, but don't want the performers were from Hong Kong.During August, a lot of italians are on vacation, but the bank customer service representative is searched in Italy, to find a pair of Italian learning Chinese kung fu, let they arrived in the remote village.
Such "odd" idea, the bank customer service can give satisfaction.Someone smile, if the card master wanted to go to space, estimates that Banks can also arrange.
Design features editor
Series 007 film "casino royale" : an upscale hotel bond to the Bahamas, he showed a black card to the receptionist, this black card is the legendary "black card".
Is known as the "black card", because its color is black, but the quality of a material is titanium, heavy texture and luster claimed her inside collect and exalted attributes.This is the American Express company (American Express) is designed for the world's richest custom top credit card - the centurion card (centurion), commonly known as Express the black card.
Release condition editor
American express the black card in the homepage, you can't find this card, it is not publicity, more do not accept applications, express only in their own platinum card users, 1% of them were selected as the specific objects hairpin.Usually the owner of the black card is this: well-known enterprises, President and CEO or chairman, 35 ~ 60 years old, earn at least $10 million a year or more, have more cars, more than a person of extraordinary powers curtilage, like private yachts, aircraft for a ride...The centurion card cardholders minimum amount of $250000 a year,
Annual fee of $2500, issued only in the United States, Britain and Hong Kong, China merchants bank and American express approached the black card, China's richest can also have a low profile and luxury express the black card.Hong Kong's standard is the lowest salary of hk $2 million, or three months balance of not less than hk $8 million, annual fee hk $19800, joining fee hk $23800.
In October 2012, the industrial and commercial bank of China and American express hand in hand for the Chinese market for the first time issued a "icbc express the centurion black gold card".The product issued by the industrial and commercial bank of China to invite, object is limited to a few select bank of high-end customers.[1]
2012 express black card to enter the Chinese, and cooperating with domestic Banks.Domestic has the qualifications of express the black card issuing bank is not much
Exalted status editor
Low-key texture, expensive give respect to enjoy.Cardholder can get daily passenger private and first class upgrade services, hotel suite upgrade services, private travel advisory services, heavyweight performance tickets, private Banks and other service 24 hours a day.Black card can also make it easy for the cardholder to qualify the upper social circle, in a variety of high-end clubs, set up and expand the circle.
Most of the time, the hands hold the black card means that owns the rights of the people all over the world to you.Widely circulated story about the black card to prove it.If a customer want to the sea god, as long as it is the earth people can do things, express company will meet as soon as possible.Such cases appeared in the television and animation works many times.
In addition to express the black card, there are some institutions also have this kind of card.Such as Stratus Rewards company and bank of America jointly issued a white card, the cardholder can only be invited or appointed, can get a private aircraft leasing is favorable, a $1 million travel accident insurance, if the annual consumption of 195000 pounds, free travel or aboard a private jet to the Louvre pyramid.
Rich black card of mainly comes from and the dignity given to them by the black card.Reportedly when Tony leung with black card buy vegetables in the supermarket, the light of small titanium info is even more than the star himself.Along with the increase in China's super rich, the demand for the black card is also growing.
Because of selection of the best quality customer, so the bank to "meticulously" card service of the Lord.
For the dark Lord, kaka is not "credit".Someone once asked, head of citigroup, if black kaka main want to buy plane charge line not line?The answer is: no problem.
In terms of customer service, introduced the card the Banks to provide customers "personal assistant" service.Bank's commitment is: as long as want to, can do it.
Express a black kaka, for example, the main call bank's customer service department in the south of France, said he and his car on the same train, but he was halfway out of the car after car was still on the train.As a result, the company's customer service department should contact the train company successfully, stop the train, to discharge the cargo from the other, to find the car card, let him continue to travel.
As a local Hong Kong tycoon wedding, in a remote mountain village in Italy he hopes to have a lion dance at the wedding, but don't want the performers were from Hong Kong.During August, a lot of italians are on vacation, but the bank customer service representative is searched in Italy, to find a pair of Italian learning Chinese kung fu, let they arrived in the remote village.
Such "odd" idea, the bank customer service can give satisfaction.Someone smile, if the card master wanted to go to space, estimates that Banks can also arrange.
Design features editor
Series 007 film "casino royale" : an upscale hotel bond to the Bahamas, he showed a black card to the receptionist, this black card is the legendary "black card".
Is known as the "black card", because its color is black, but the quality of a material is titanium, heavy texture and luster claimed her inside collect and exalted attributes.This is the American Express company (American Express) is designed for the world's richest custom top credit card - the centurion card (centurion), commonly known as Express the black card.
Release condition editor
American express the black card in the homepage, you can't find this card, it is not publicity, more do not accept applications, express only in their own platinum card users, 1% of them were selected as the specific objects hairpin.Usually the owner of the black card is this: well-known enterprises, President and CEO or chairman, 35 ~ 60 years old, earn at least $10 million a year or more, have more cars, more than a person of extraordinary powers curtilage, like private yachts, aircraft for a ride...The centurion card cardholders minimum amount of $250000 a year,
Annual fee of $2500, issued only in the United States, Britain and Hong Kong, China merchants bank and American express approached the black card, China's richest can also have a low profile and luxury express the black card.Hong Kong's standard is the lowest salary of hk $2 million, or three months balance of not less than hk $8 million, annual fee hk $19800, joining fee hk $23800.
In October 2012, the industrial and commercial bank of China and American express hand in hand for the Chinese market for the first time issued a "icbc express the centurion black gold card".The product issued by the industrial and commercial bank of China to invite, object is limited to a few select bank of high-end customers.[1]
2012 express black card to enter the Chinese, and cooperating with domestic Banks.Domestic has the qualifications of express the black card issuing bank is not much
Exalted status editor
Low-key texture, expensive give respect to enjoy.Cardholder can get daily passenger private and first class upgrade services, hotel suite upgrade services, private travel advisory services, heavyweight performance tickets, private Banks and other service 24 hours a day.Black card can also make it easy for the cardholder to qualify the upper social circle, in a variety of high-end clubs, set up and expand the circle.
Most of the time, the hands hold the black card means that owns the rights of the people all over the world to you.Widely circulated story about the black card to prove it.If a customer want to the sea god, as long as it is the earth people can do things, express company will meet as soon as possible.Such cases appeared in the television and animation works many times.
In addition to express the black card, there are some institutions also have this kind of card.Such as Stratus Rewards company and bank of America jointly issued a white card, the cardholder can only be invited or appointed, can get a private aircraft leasing is favorable, a $1 million travel accident insurance, if the annual consumption of 195000 pounds, free travel or aboard a private jet to the Louvre pyramid.
Rich black card of mainly comes from and the dignity given to them by the black card.Reportedly when Tony leung with black card buy vegetables in the supermarket, the light of small titanium info is even more than the star himself.Along with the increase in China's super rich, the demand for the black card is also growing.
America's credit score is how calculated?Individual how to improve my credit score?
Credit score from credit reports, credit report mainly includes the following several parts:1) personal information, including name, birthday, SSN, driver's license number, employer, address and other information;2) credit information, including your recent 7 years all credit accounts information, such as mortgages, car loans, credit CARDS and other lines, whether monthly payments on time, etc3) public information, including whether you bankruptcy, lawsuits, tax related information4) credit inquiry, including the last two years of hard pull, and soft pull.
What is a hard pull?What is it soft pull?
Hard pull refers to a bank or lending to borrowers in order to assess whether to you when your credit report to credit institutions.
Soft pull refers to the rest of the has nothing to do with lending credit report query.Such as query their own credit reports, credit card company has advertised in order to find potential clients, and so on.
What is a credit score
Letter with the score is to use mathematical model based on personal credit report the size of a bank's risk a numeric value, in general the smaller the more risky.Credit score there are many kinds of mathematical model, the most widely used in the bank is FICO score (300 ~ 850), which is owned by FICO, a calculation model of its details have not disclosed, but the composition of its credit scores have been summed up, is the image below:
Besides FICO, there are other companies to provide all kinds of credit scores, such as creditkrama score, because is not widely used, people called FAKO scores (false).Actually FAKO scores still has certain reference value, and some and FICO scores.
The lion's share of the credit score is payment records and credit line utilization, anyhow is to payment on time, and reduce the utilization rate, especially in only one or two new card.
Tips: if he had just taken the first one, and the amount is low, how to reduce the usage?In fact, as long as the monthly statement closing balance before the date is also a most, the final monthly statement balance is low, credit score increase quickly.
There are three parts: credit history nature is as long as possible, the first card so everyone will open with no annual fee credit card, and keep for a long time.As for the annual fee credit card, or want to open, according to the demand is not the sooner the better.Credit type so several new basic is a credit card, after work to settle down, have a car loan mortgage, the score of this part of the natural will go up.The last is the New Credit accounts, it is hard pull, the number of this part is just 10%.Have little impact on credit score actually, and will extend over time, more and more influence on scores of small, in fact barely affected the 91 days after, after two years will disappear completely.
What is a credit bureau
A credit bureau is an independent third party company, in the United States, there are three major credit bureau, Experian, among and TransUnion.Their role is to the bank personal credit record, collection and applying for borrowing and lending is available from the bank credit report, does not provide a credit score.The three companies are nonprofit organizations, whether Banks to report to their customer's credit history, or the bank access to their new customer credit history, all want to pay fees to the three.When reporting the customer's credit history as a result, some Banks in (situation, also apply for a new account), will not all three, or the time is fast or slow.Like my Experian credit report to update the most timely, TransUnion slowest.My Experian hard pull already 10, TransUnion only 4, 5.Therefore, from the three credit report to credit score is not the same.
How to query credit score:
The answer offers many free credit report query website, I also often use, but these scores are FAKO scores.
There is good news recently Discover company, as long as hold Discover It a credit card, a month will get free FICO scores, source is TransUnion credit bureau.So Discover It has again become the necessary credit card per person.It is said that Barclay card also provides FICO scores, I won't his card, so don't know much about it.
Put a small advertising (if someone want to apply for, can leave your email, I sent you a referral, the application is successful, there are 50 reward. But now you don't have to, Discover in the promotion period, now apply for a $150 reward)
To apply for a new credit card how to affect the credit score
To apply for a credit card, in simple terms, can increase a hard pull, 10% of the credit score will be affected by a little bit.
But the new credit CARDS will lower your average credit history, the other 15% of the credit score also affected by the bigger of the two.
But, however, a new credit card will greatly reduce the amount of practical rate, this will greatly improve the other 35% score.
Thus, for beginners (card number < 5, credit history > 6 months), bold to apply for a card like yourself, please bring their own execution.
What is a hard pull?What is it soft pull?
Hard pull refers to a bank or lending to borrowers in order to assess whether to you when your credit report to credit institutions.
Soft pull refers to the rest of the has nothing to do with lending credit report query.Such as query their own credit reports, credit card company has advertised in order to find potential clients, and so on.
What is a credit score
Letter with the score is to use mathematical model based on personal credit report the size of a bank's risk a numeric value, in general the smaller the more risky.Credit score there are many kinds of mathematical model, the most widely used in the bank is FICO score (300 ~ 850), which is owned by FICO, a calculation model of its details have not disclosed, but the composition of its credit scores have been summed up, is the image below:
Besides FICO, there are other companies to provide all kinds of credit scores, such as creditkrama score, because is not widely used, people called FAKO scores (false).Actually FAKO scores still has certain reference value, and some and FICO scores.
The lion's share of the credit score is payment records and credit line utilization, anyhow is to payment on time, and reduce the utilization rate, especially in only one or two new card.
Tips: if he had just taken the first one, and the amount is low, how to reduce the usage?In fact, as long as the monthly statement closing balance before the date is also a most, the final monthly statement balance is low, credit score increase quickly.
There are three parts: credit history nature is as long as possible, the first card so everyone will open with no annual fee credit card, and keep for a long time.As for the annual fee credit card, or want to open, according to the demand is not the sooner the better.Credit type so several new basic is a credit card, after work to settle down, have a car loan mortgage, the score of this part of the natural will go up.The last is the New Credit accounts, it is hard pull, the number of this part is just 10%.Have little impact on credit score actually, and will extend over time, more and more influence on scores of small, in fact barely affected the 91 days after, after two years will disappear completely.
What is a credit bureau
A credit bureau is an independent third party company, in the United States, there are three major credit bureau, Experian, among and TransUnion.Their role is to the bank personal credit record, collection and applying for borrowing and lending is available from the bank credit report, does not provide a credit score.The three companies are nonprofit organizations, whether Banks to report to their customer's credit history, or the bank access to their new customer credit history, all want to pay fees to the three.When reporting the customer's credit history as a result, some Banks in (situation, also apply for a new account), will not all three, or the time is fast or slow.Like my Experian credit report to update the most timely, TransUnion slowest.My Experian hard pull already 10, TransUnion only 4, 5.Therefore, from the three credit report to credit score is not the same.
How to query credit score:
The answer offers many free credit report query website, I also often use, but these scores are FAKO scores.
There is good news recently Discover company, as long as hold Discover It a credit card, a month will get free FICO scores, source is TransUnion credit bureau.So Discover It has again become the necessary credit card per person.It is said that Barclay card also provides FICO scores, I won't his card, so don't know much about it.
Put a small advertising (if someone want to apply for, can leave your email, I sent you a referral, the application is successful, there are 50 reward. But now you don't have to, Discover in the promotion period, now apply for a $150 reward)
To apply for a new credit card how to affect the credit score
To apply for a credit card, in simple terms, can increase a hard pull, 10% of the credit score will be affected by a little bit.
But the new credit CARDS will lower your average credit history, the other 15% of the credit score also affected by the bigger of the two.
But, however, a new credit card will greatly reduce the amount of practical rate, this will greatly improve the other 35% score.
Thus, for beginners (card number < 5, credit history > 6 months), bold to apply for a card like yourself, please bring their own execution.
American express co.
American Express (American Express) one of the biggest international tourism services and comprehensive financial, financial investment and the universal information processing.American express company was founded in 1850, headquartered in New York City, USA.American express is one of the biggest international tourism services and comprehensive financial, financial investment and universal of information processing in credit CARDS, traveler's checks, tourism, financial planning and international banking accounts for leading position, is in reflect the dow Jones industrial average 30 companies in the United States, the only service company.
American express company, headquartered in New York City.Main operating through its three branches: American citic American express credit cartoon travel related services, American express financial adviser and American express bank.American Express Travel service (American Express Travel Related Services), is one of the world's largest Travel agency, has more than 1700 tourism offices around the world.American express travel related services to individual customers with debit CARDS, credit CARDS and traveller's cheques, with the customer to the company also provide the company card and expenses management tool, to help the company in the management of business entertainment and travel, purchasing, the company also provided to individuals and companies around the world travel and related consulting services.American Express Financial advisor (American Express Financial Advisors), in Financial planning and consultation as the core business, developing a close relationship with retail customers and long-term Financial strategy.In order to meet the needs of its retail customers, American express financial advisers also develop and provide financial products and services, including insurance, pensions and a variety of investment products.American Express Bank (American Express Bank), in Bank based in the United States, American Express Bank has one of the largest international branch network, 77 offices in 40 countries, offering private banking services, personal financial services, trade and foreign exchange Bank.
American express co., LTD. Is a comprehensive financial, financial investment and information processing of the global company, founded in 1850, is headquartered in New York in the United States, mainly provide debit CARDS and credit CARDS, traveler's checks, tourism, insurance, financial planning, investment products and international banking services, etc.As the world's biggest independent credit card company, express company, the most famous American Express Card, issued for the first time since 1958, with no preset spending limit and provide high level service and enjoys a high reputation, is member of millions of American express and the vast majority of global multinational companies
American Express Card, New YorkSecurities exchanges on behalf of one of the dow Jones industrial average 30 companies, is the world's largest independent card issuers and has the largest special merchant network system of its own.American express is a one hundred - year - old in the United States, but the bank is not his bank.1850 express to express business from scratch in buffalo, New York, invented in 1891 and released express traveler's check about express check, I have introduced before, there is no longer here.After world war ii express is a world famous company.It was the most profitable business is popular all over the world traveler's checks.In fact, express considering whether to enter the bank card business has for several years.Make it hesitate before there are two main reasons: one is afraid influence the company good reputation, 2 it is afraid of silver card business will eat their profit business - business travel check.By December 1957, it finally decided to launch its own silver card, was forced by the situation, so to speak.On October 1, 1958 introduced American Express Card, American Express.Express company is famous in the world, especially the traveler's check is recognized as like the dollar are available, so the express release news of the silver card, has been widely response immediately, especially often travel lines of business, but also actively apply.
Originally, express prediction in five years to 200000 calories, results in the two months before it opened broke through the indicators.Before this, DinersClub and other bank CARDS in a large, well-known chain system develops the market, few gains.Can be for express card, is the other way round: due to its dominance in travel service industry, many businesses fear can't match this class expand business express.Open in express, merchants signed with the net more than more than 17000;Especially American league union hotel 150000 households and 4500 members of the hotel to join, marks its bank card was finally accepted by the mainstream American business.Express's strategy is set from the beginning of an upper class rich man provide convenient silver card image.Its annual fee $6, from the start than $5 then DinersClub high $1, this is to show its class higher layer.It was proved that this strategy is very successful.In after nearly 30 years, American express has maintained its own image of "elite", a head down, in a long period of time to avoid the direct competition silver industry in other credit card companies.But at first, the important motivations behind this strategy is to reduce the company leading products - have gained wide application of traveler's checks services - mass of eating.
American express company, headquartered in New York City.Main operating through its three branches: American citic American express credit cartoon travel related services, American express financial adviser and American express bank.American Express Travel service (American Express Travel Related Services), is one of the world's largest Travel agency, has more than 1700 tourism offices around the world.American express travel related services to individual customers with debit CARDS, credit CARDS and traveller's cheques, with the customer to the company also provide the company card and expenses management tool, to help the company in the management of business entertainment and travel, purchasing, the company also provided to individuals and companies around the world travel and related consulting services.American Express Financial advisor (American Express Financial Advisors), in Financial planning and consultation as the core business, developing a close relationship with retail customers and long-term Financial strategy.In order to meet the needs of its retail customers, American express financial advisers also develop and provide financial products and services, including insurance, pensions and a variety of investment products.American Express Bank (American Express Bank), in Bank based in the United States, American Express Bank has one of the largest international branch network, 77 offices in 40 countries, offering private banking services, personal financial services, trade and foreign exchange Bank.
American express co., LTD. Is a comprehensive financial, financial investment and information processing of the global company, founded in 1850, is headquartered in New York in the United States, mainly provide debit CARDS and credit CARDS, traveler's checks, tourism, insurance, financial planning, investment products and international banking services, etc.As the world's biggest independent credit card company, express company, the most famous American Express Card, issued for the first time since 1958, with no preset spending limit and provide high level service and enjoys a high reputation, is member of millions of American express and the vast majority of global multinational companies
American Express Card, New YorkSecurities exchanges on behalf of one of the dow Jones industrial average 30 companies, is the world's largest independent card issuers and has the largest special merchant network system of its own.American express is a one hundred - year - old in the United States, but the bank is not his bank.1850 express to express business from scratch in buffalo, New York, invented in 1891 and released express traveler's check about express check, I have introduced before, there is no longer here.After world war ii express is a world famous company.It was the most profitable business is popular all over the world traveler's checks.In fact, express considering whether to enter the bank card business has for several years.Make it hesitate before there are two main reasons: one is afraid influence the company good reputation, 2 it is afraid of silver card business will eat their profit business - business travel check.By December 1957, it finally decided to launch its own silver card, was forced by the situation, so to speak.On October 1, 1958 introduced American Express Card, American Express.Express company is famous in the world, especially the traveler's check is recognized as like the dollar are available, so the express release news of the silver card, has been widely response immediately, especially often travel lines of business, but also actively apply.
Originally, express prediction in five years to 200000 calories, results in the two months before it opened broke through the indicators.Before this, DinersClub and other bank CARDS in a large, well-known chain system develops the market, few gains.Can be for express card, is the other way round: due to its dominance in travel service industry, many businesses fear can't match this class expand business express.Open in express, merchants signed with the net more than more than 17000;Especially American league union hotel 150000 households and 4500 members of the hotel to join, marks its bank card was finally accepted by the mainstream American business.Express's strategy is set from the beginning of an upper class rich man provide convenient silver card image.Its annual fee $6, from the start than $5 then DinersClub high $1, this is to show its class higher layer.It was proved that this strategy is very successful.In after nearly 30 years, American express has maintained its own image of "elite", a head down, in a long period of time to avoid the direct competition silver industry in other credit card companies.But at first, the important motivations behind this strategy is to reduce the company leading products - have gained wide application of traveler's checks services - mass of eating.
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