Comments on: Visa Black Card Demographics – Is the Card all Marketing Hype?

By: Simon Lee

Simon Lee — Sun, 21 Aug 2011 16:55:20 +0000

Its a scam, I got it and they have the worst customer service ever, you pay to be treat like this? Honestly stay away, they offer the same service as many you which you don’t have to pay for, they are terrible. I lost my card, called the next day a month later still no replacement card, so basically I paid $45 a month and don;t actually have a card to show for it. I tried to complain and the women said “well I will send yo a new one” “Well what about a refund” “I will send you a new one” “yes but I don’t have a card and you are charging me for it” “I will send you a new one”. A scam please stay away, If you don’t want your $495 go donate it or something

By: Zach

Zach — Wed, 17 Aug 2011 02:59:03 +0000

I am 21, 3.15 million salary with 530k income, 750 credit score avg. Approved for visa Black with $102,500 limit, also AmEx centurion and JP Morgan Palladium Card.

By: Stix

Stix — Thu, 10 Feb 2011 04:31:32 +0000

What a D-Bag thing to say!

By: Brad

Brad — Thu, 02 Dec 2010 06:36:06 +0000

Well Ben,

From my point of view you do NOT qualify for the American Express Centurion Card.

To be considered you must have the following:

1. A FICO of 750 plus
2. A PREFERRED income of $750K plus a year
&
3. You must OWN at least one personal property (With NO Loans)

The final decision comes down to how “wealthy” you truly are. AMEX looks at how many property(s) you own, what kind of cars your drive, what clubs you belong too, how much you travel on a yearly basis, and most importantly they want to see a Seven Figure checking account.

The more handsome your Net Worth, and the more “Toys” you have gets you the Centurion Card; NOT some “Six or Seven Figure Income” or “700 Club Credit Score”

Quite frankly your story puzzles me. Who are you trying to impress?

By: Brad

Brad — Thu, 02 Dec 2010 05:57:43 +0000

My names Brad i’m 40 I have a 790 Credit Score I make about 4.1 million a year and I get stuck with a 35k limit!?
My wife and two daughters spend about 100k on cloths in a month, what’s the use of having such an “elite” card when it has a limit!?

Im going to get American Express Centurion Card and when I do I’m dropping the all exclusive “Visa Black Card”.

Do not take this the wrong way but,
The Visa Black Card is the poor mans Centurion Card!

By: John

John — Tue, 14 Sep 2010 22:14:24 +0000

23yr old student 10-14k per year 740 credit score and approved for unknown limit.

By: Todd Wood

Todd Wood — Sun, 22 Aug 2010 03:48:17 +0000

I was at Whole Foods checking out the other day and the lady in front of me paid with her Visa Black Card – and made a big deal out of it, mentioning that it was the Visa Black Card to the cashier – who sort of gave her that “so what” kind of stare. I smiled slightly and paid for my groceries with my regular visa card [platinum, I think]. It has a credit line of over 45K – I have no idea why, but it’s good to know if I suddenly need to buy a new car I can do it. The interest rate is low, and the annual fee is zero. I’m in business for myself and pay myself as much as I need when I need it. I have no idea what my credit score is. I don’t have the need to try to impress people with how much I make [or how much I donate to charity]; just living an honest life. Which I guess puts me in an elite class of my own.

By: Zachary

Zachary — Thu, 05 Aug 2010 07:27:06 +0000

Excuse me, but many of us do have Amex black cards…. and stop saying how great visa black card is because it is horrible… It has the thickness of a carbon card, without the benefits… ITS HORRIBLE.. DONT GET IT….

By: Zachary

Zachary — Thu, 05 Aug 2010 07:21:24 +0000

I know how you feel… I have both the AMEX Centurion and the VISA Black and Im only 15… (im additional…)

By: Lola

Lola — Thu, 22 Jul 2010 04:04:25 +0000

Approved with credit score over 700, income $200k. I like the card, but I LOVE the gifts i.e. Ray-bans, Pens etc.

By: Ron

Ron — Sun, 25 Apr 2010 18:21:14 +0000

I’d say the kind of people that they want to attract to this card in their marketing are exactly the kind of people that post here saying they have one; People that want everyone else to know how much money they have, what kind of car they drive, where they live, etc. Basically, people that put a high value on what other people think of them. The marketing of this card is working beautifully. If you tell people something is “Limited” or “Exclusive” people will buy into it. It is psychology 101.

By: Jon

Jon — Tue, 30 Mar 2010 19:06:37 +0000

I am a 24 year old dental student and I was ‘pre approved’ for the visa black card. I don’t know my credit score, but I have about $50,000 in school loans and I made 11$ last year income (from interest). I charge maybe 10,000 a year to my credit card. So yeah…its really not that elite.

By: david

david — Sun, 28 Feb 2010 18:38:45 +0000

34. 100k. fico=?? just got a visa black card yesterday and i didnt even ask for it. they just sent it to me..

By: Ben

Ben — Wed, 10 Feb 2010 08:38:38 +0000

I am 32 years old. I received my visa black card with a $100k credit limit. My income is $500k plus a year with my credit scores above 750. The Visa Black Card is great because my AMEX can’t be use everywhere so I use my Visa Black. A lot of people on here are just a bunch of haters who wish they had either of the black card. Stop saying you have the AMEX black card because in reality you guys don’t have it. It is good to be dreamers

By: Kim

Kim — Thu, 07 Jan 2010 19:21:44 +0000

The Visa Black Card is a sham! After 6 months, we received a notice saying they were raising our percentage rate to 29% because of a late payment. I had NEVER paid a payment late, so called to inquire. They went over my payment history with me, pointing out that I had actually paid a $3,000 payment 2 days earlier than the billing cycle. I explained to a supervisor that I did that because we were going to be out of the country for 2 weeks and didn’t want to actually have a late payment, and her response was, verbatim, “Sorry, there’s nothing I can do for you at this time. You should have made better note of when the billing cycle starts and ends.” I cancelled my card on the spot. As a side note, I had paid over $6,000 that month, and this is the treatment you get. Waste of time!!!

By: Paul

Paul — Tue, 01 Dec 2009 08:43:32 +0000

VISA black is a joke. It is a marketing scam to suck people into paying $500 for a “pretty black plastic card”. That’s the only thing pretty about it. The conceirge services are worthless and they charge for Priority Pass. Save yourself some cash – apply for a B of A Accolades card for half the price.

By: rebecca

rebecca — Sat, 21 Nov 2009 00:52:22 +0000

Hey, I’m a reporter. I’m trying to get in touch with people who were approved for the Visa Black Card. Please email me at rrosenberg@nypost.com. Or call at 917 470 0699.

Thanks,
Rebecca

By: Dan

Dan — Mon, 09 Nov 2009 23:13:02 +0000

I was approved.

24, 1.2m/yr gross business income, payroll myself $200k/yr. 747, 759, 770 credit scores.

By: Patrick

Patrick — Mon, 09 Nov 2009 21:19:38 +0000

Just got my card today, 11/09/2009. Only a 7k credit limit. I have double that on free cards. Granted I am not “rich” by Centurion standards (I could be a servant though). I make roughly 90k a year, maybe an 824 credit score (checked in 2008). Still for $495? They informed me as I cancelled immediately, it’s an AUTOMATED process, no one manually investigates credit worth or where you really should rate. The Customer service person said “well, we can fix it” but the damage was done. If they want $495 then they better prepare themselves better. Poor answer, and nothing that made me want to spend $495 for.

By: Allen

Allen — Tue, 03 Nov 2009 21:46:29 +0000

I’ve had this card but I recently cancelled it. The service desk is terrible. I have tried to get into to several airport lounges with this card but was rejected as they don’t recognize this benefit and worse, they have never heard of the BlackCard. I am a frequent international traveller and never had to pay currency conversion fees on any of my credit cards but Blackcard will charge a 3% currency conversion fee.

This card is a lot of hype and not worth your $495 fee. Stay away!