Can you be called a rich man if you don’t indulge yourself?

Chapter 161 American Express Centurion Black Card
Koenigsegg Gemera is driving on the road like this
Since this is the first Gemera in China and it has a simulated sound wave, no one knows it is a hybrid car.
Just as Gu Heng was about to reach Tower A of the International Trade Center, the phone suddenly rang.
Gu Heng controlled the steering wheel with one hand and answered the call.

"Excuse me, is this Mr. Gu?"

Hearing the half-spoken Mandarin coming from the other end of the phone, Gu Heng couldn't help but frowned and glanced at the caller ID.
It is a telephone number with a format that is different from that in China.
However, since the other party could call out his name, it shouldn't be a mistake. Gu Heng didn't think much about it and responded, "It's me, who are you?"

Hearing Gu Heng's confirmation, the tone on the other end of the phone was obviously much more excited, and he quickly said, "I am Will Riggs, the Greater China Business Manager of American Express Bank. I hope you can forgive me for disturbing you."

American Express Bank?
Gu Heng felt that this name was familiar.
But after thinking for a long time, he still couldn't remember it, so he asked Jiang Ruxue who was sitting in the passenger seat: "Do you know American Express Bank?"

Jiang Ruxue was still thinking about how to help Gu Heng solve this public opinion after returning to school. When she heard Gu Heng's question, she was stunned at first, thought about it for a while, and nodded.
As a top student of Peking University who majored in Business Administration and took Finance as an elective, it is impossible for me not to know the famous American Express Bank.
“American Express Bank is actually the American Express Company, a financial giant that is one of the top 100 companies in the Fortune 500. Generally, only Chinese people like us would call American Express Bank.

You may not understand what I mean, Mr. Gu, but if I tell you about black cards, you should have heard of them.

The world's first unlimited credit card was issued by American Express, and the Centurion Black Card of ICBC was also issued in cooperation with American Express."

After hearing Jiang Ruxue's explanation, Gu Heng finally understood why he was so familiar with the name of this American Express company that he had never dealt with before.
The black card that is praised as a love card on the Internet is issued by this company
But Gu Heng was still a little puzzled
I should not have any business dealings with this company.
Why would he call himself?
Thinking of this, Gu Heng asked directly to the person on the phone, "What do you want?"

"It's like this. Every one to three years, we invite the richest people in the world to become our American Express Bank's black card users. Our American Express has frequent cooperation with major banks in China. We know that you are a major customer of China Construction Bank. In addition, you spent 2.3 million yuan at the Beijing Auto Show a few days ago, which meets the standards of our company's black card users.

So I took the liberty to call you to sincerely invite you to become our American Express Bank Black Card user. "

???

Gu Heng was stunned for a moment when he heard what Will Riggs said on the phone.
Isn’t this American Express black card said to be very prestigious and rare?

Can I still be invited?

It seems that this black card is not that great.
Will Riggs on the phone saw that Gu Heng did not respond. Just as he was about to continue speaking, he heard Gu Heng's voice: "Then what are the benefits of applying for your black card?"

Will Riggs said quickly, "It may not be convenient to explain the details over the phone. I wonder when you are free, Mr. Gu? I can bring someone to visit you."

"I have time now."

"Then Mr. Gu, give me an address and I will go to meet you right away."

Upon hearing this, Gu Heng directly reported the company address to Will Riggs.
Regardless of whether you apply for this card or not, it is okay to learn about it since you have nothing to do.
As the call ended, Gu Heng asked Jiang Ruxue, "Is the invitation threshold for this American Express black card very low?"

Jiang Ruxue shook her head.

"It's not low, on the contrary it's very high."

Gu Heng was puzzled.
Since the threshold is high
Then why did Will Riggs come to me?

With my current wealth level, not to mention the world, even in China, I estimate that I can only barely rank in the top, and it is not the ceiling at all. The big guys who are richer than me, if not ten thousand, at least eight thousand.
Seeing Gu Heng's puzzled expression, Jiang Ruxue asked tentatively, "Was the call just now from the staff of American Express inviting you to apply for the black card they issued?"

Gu Heng did not hide it and nodded.

"But according to what you said, since the threshold for this black card is very high, this call may be from a scammer."

"Not necessarily. It is very likely that this is a genuine invitation from American Express."

"?"

Gu Heng's inquiring eyes were fixed directly on Jiang Ruxue's face.

"To put it bluntly, American Express is an international bank, and the black card is actually just a credit card with a huge credit limit.
It’s just that some people on the Internet have hyped it up over the years, making people think that this card is very powerful and only the richest people can own it.”

“Although the invitation threshold for the black card is very high, Mr. Gu just meets this threshold.”

"How to say?"

If you have little knowledge, you should ask more questions and learn more.
Gu Heng didn't feel embarrassed and continued to ask.

“When American Express issued the black card, it was not only to raise brand awareness, but also to create a business with extremely considerable returns.

For the inviter of the black card, the amount of wealth is not the most important, but the ability to spend, because only when the holder of this black card spends can they charge huge credit card loan interest. In other words, even if American Express gave this black card to the current richest man in the world, but the richest man in the world does not need to use this card for consumption, then this card is completely meaningless, because American Express cannot make money, so they will not waste manpower and material resources to invite a richest man in the world who does not spend.
Mr. Gu, if you think back to your spending during this period, you will understand why I said you meet the invitation threshold of American Express."

Jiang Ruxue's explanation is very simple and straightforward
Gu Heng also knew why he was targeted by the American Express Company.
My bank account balance is too high.
And now the consumption is hundreds of millions.
Maybe Gu Heng's wealth is not ranked high in China, but in terms of personal consumption during this period, it is definitely top-notch.
With this in mind, Gu Heng stopped thinking about it.
I am just worried about the system reward threshold.
Since there is only 1 million in his personal account, Gu Heng is very anxious every day.
I was afraid that I would need money and I would not be able to pay for it.
This American Express company is like timely rain.
Half of my troubles were solved in one go.
As for the high interest rates on credit card purchases, Gu Heng didn't even bother to think about it.
Can it be higher than the system’s reward?
Spend first, wait for the system reward to arrive, and then repay. As for the handling fee and interest difference, let American Express earn it.
People have provided me with such great convenience, so what's wrong with letting them make some money from me?
"Mr. Gu."

"Hello, Mr. Gu."

Although it was the weekend, there were still more than ten people busy in the company. When they saw Gu Heng, almost everyone put down their work and greeted him.
As for the other half, they did not take a weekend break, but followed Tu Yong to Yangcheng to participate in the international racing project.
It's not that Gu Heng asked them to work overtime.
It was all because Gu Heng said that the reward after the project was successful was too tempting, so these people all worked overtime voluntarily in order to complete the project as soon as possible and get the reward.
Why did Jiang Ruxue take a holiday?
It was just because she was an intern and belonged to the company's non-staff.
Shu Yan forced her to rest on weekends
Facing the greetings from the employees, Gu Heng smiled and nodded to them, then jokingly said to Jiang Ruxue, "Aren't you going to work overtime at the company? Director Shu is on a business trip to Yangcheng, and as her secretary, you don't have anything to do when she's not here.

But since you are here, why don't you temporarily serve as the company's receptionist? When the people from the Express Company come to see me, I can bring them directly to my office, how about that?"

Jiang Ruxue listened to Gu Heng's arrangement without any objection. She just nodded and sat down at the front desk of the company.
Since I've volunteered to work overtime at the company, it doesn't matter if I'm just a receptionist.
And just like Gu Heng said, without Shu Yan, there was nothing for a secretary like me to do. Being a receptionist would also allow me to experience different professions.
Gu Heng was just teasing her.
But I didn't expect that she would agree directly.
But seeing that she didn't seem to be very resistant, Gu Heng didn't say much and walked straight towards his office.
About ten minutes later, Gu Heng, who was concentrating on checking the information of the American Express Black Card on the computer, heard a knock on the office door. He closed the web page on the computer and said softly, "Come in."

After getting the approval, Jiang Ruxue directly pushed open the door of the office and said respectfully to the several faces behind her: "This is our chairman's office, please come in."

obviously.
In such a short time, Jiang Ruxue has already adapted to the role of the front desk.
Several representatives from American Express Bank saw Gu Heng lazily lying on his office chair and hurriedly walked in: "Hello, Mr. Gu, I am Will Riggs, the Greater China business manager of American Express Bank, the one who just spoke to you."

The person who spoke was a tall white man in a well-ironed suit. The other staff members behind him and others all looked like elites in the industry.

Gu Heng stood up and shook hands with him, then said jokingly, "Mr. Will, there's no need to introduce yourself. I can tell from your accent."

Will Riggs didn't mind Gu Heng's teasing. Instead, he smiled and said, "Maybe my language talent is relatively poor. I have been working in China for almost five years, but I still can't master your language. I hope Mr. Gu doesn't mind."

Gu Heng didn't dwell on this topic with him for long. He took them to the sofa nearby and gestured with his hand, "Please take a seat."

After saying that, he instructed Jiang Ruxue who was still standing beside him, "Make me a few cups of tea."

This was originally the job of the chairman's secretary, but since Gu Heng didn't have a secretary yet, he could only order Jiang Ruxue around.
As Jiang Ruxue left, the straightforwardness of Westerners was also revealed. Will Riggs continued to speak in a half-hearted Mandarin: "Mr. Gu, my sudden visit is a bit intrusive, I hope you can forgive me.

Regarding inviting Mr. Gu to become our American Express Bank's black card user, we included you in the list about a month ago.

After that, we immediately reported your basic information to the US headquarters based on your purchase of a mansion worth 3.1 million in Beijing and your 2.3 million yuan in consumption at the auto show a few days ago. After reviewing your qualifications, the headquarters group agreed to our Chinese branch's request and granted us invitation authority. As soon as I got the invitation authority, which was half an hour ago, I called you immediately."

Hearing Will Riggs' serious tone, Gu Heng also became a little interested, and then smiled and said, "Mr. Will, how about you first tell me the difference between the black card you applied for me and the black card issued by our Huaguo Bank?"

For the past ten minutes, Gu Heng has been checking the black card information.
I found that although the black card is said to be magical, it is actually just that simple.
At least in China.

Several domestic banks have cooperated with American Express. The so-called black card users in China have at least 8,000 yuan, even if they don't have 10,000 yuan. It's not something impressive.
But after listening to what Will Riggs said, Gu Heng found that he seemed to be wrong.
If it is just a credit card like a domestic black card, why do we have to report to the group headquarters? And what about the so-called invitation authority?
Will Riggs laughed.
The smile is full of pride.
"Mr. Gu, although we have cooperated with many banks in China to issue American Express black cards, in fact, these black cards led by Chinese banks are fundamentally different from the black cards issued by our American Express.

Due to your country's financial supervision, the maximum limit of China's black card is only 1000 million RMB.

But our American Express black card has an unlimited credit limit. In theory, you can use it to buy any valuable goods. There is only a risk control limit. The so-called risk control limit is set by us based on the cardholder's spending habits and daily spending amount. If the cardholder buys a product that exceeds the limit, our staff will call the cardholder to confirm, and will continue to complete the payment after confirming the identity. "

Gu Heng listened to Will Riggs' introduction and nodded slightly.
That being said.
That's a huge difference indeed.
No wonder you need to get permission from the headquarters to invite.
In simple comparison, the black cards of domestic banks are just a pile of shit compared with the American Express black card.
Seeing that Gu Heng was obviously interested, Will Riggs struck while the iron was hot and continued to introduce: "After becoming a black card user, you will be directly promoted to the highest level VIP of 145 hotel brands around the world, including Hilton Hotels Corporation, Marriott International Hotels Corporation, InterContinental Hotels Group, etc., and enjoy unconditional exclusive and distinguished treatment.

You can also become a senior member of 162 top private clubs in the world and visit their private places at will. For example, the "American Club" in China is one of our cooperative clubs.

In addition, you can also become a VIP user of 52 airlines in China and more than 1000 airlines in other countries around the world. As long as you need it, we can even let these airlines temporarily arrange a special plane for you, or even make an emergency landing!
We have 1780 offices around the world. No matter you are in the desert or in the deep ocean, we will be at your service with just one phone call!
The above privileges are just a general introduction. If I were to introduce them in detail, I might not be able to finish even if I talk for three days and three nights.

In short, as long as we are on Earth, we will do our best to fulfill any legal request you make! "

Jiang Ruxue, who was carrying tea in, heard these privileges and couldn't help shaking the hand holding the tea tray.
She knows that the American Express Black Card is awesome.
But I didn't expect it to be this awesome.
If this card is given to an ordinary person and he is allowed to use it at will.
Is it possible for any ordinary person to transform himself into one of the top few people in the world?
When she thought of this, Jiang Ruxue couldn't help but look at Gu Heng who was sitting on the sofa with his legs crossed.
As for Gu Heng?
After hearing this, I was shocked, but not too excited.
In a sense, isn’t the system a privilege card that’s even more powerful than a black card?
Thinking of this, Gu Heng said no more and said directly: "Since your American Express Company has invited me, I will not be hypocritical. What materials do I need to provide for this card?"

Will Riggs shook his head and said, "Mr. Gu, you don't need to provide any materials. You just need to provide our company with your asset status every quarter. I will notify the headquarters to expedite the production of the card for you. It will be delivered to you in 10 days at most.

I need to remind you, Mr. Gu, that due to China's financial controls, this black card has a limit of only RMB 1000 million in China. Of course, this is not what we want to see.

However, except for China, this card has unlimited credit limit in more than 100 countries around the world, and you can spend as you like. "

Gu Heng nodded upon hearing this.

Gu Heng was not surprised by this.
China is one of the few countries that has been able to minimize the impact of the US dollar hegemony, and financial control accounts for a large part of the credit.
If you are not allowed to consume in China, then don't consume.
It just so happens that I have never been abroad. After the race track incident is over, I plan to go abroad to see the world. Isn't the use of this card reflected?
(End of this chapter)