The global black card is essentially a membership card, not a credit card, and you cannot borrow money directly. However, users with this membership card can borrow money through the cash loan of global black card cooperation, but it is not 100%, which is as good as general borrowing.

One of the privileges of global black cards is the signing function of black cards.

1. Users download the global black card APP and log in;

2. Submit the application materials on the black card signing page;

3. The system will automatically review;

4. You can overdraw after approval.

Loans can only be used for online order payment, such as booking hotels, air tickets, privileged goods, etc., and cannot be consumed in physical stores or swiped by pos machines, nor can they be withdrawn.

However, users in need can choose some reliable online lending platforms to borrow money. BAT's three major credit products are all "hard enough in the background" and are relatively reliable. Borrowing is the credit product of Ali Ant Financial, micro-loan is the credit product of Tencent Weizhong Bank, and money flower is the credit service brand of Baidu Finance.