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I've heard rumors that people with a black card have money. Well, I got a black card in the mail it's a Visa not an American Express. The part that i don't understand is I did'nt even apply for the card. The Bank just upgraded my card to black. When I first I opened the envelope I was thinking Jesus Christ I got black card. I don't have enough money to even get close to qualifying a American Express Black card. But this Visa Black card made me feel great. After doing a research on the net Visa black card you just need good credit to qualify. I have'nt felt that great in years.