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Doug Smith, director of American Express Europe, told that “there had been rumors going around that we had this ultra-exclusive black card for elite customers.

It wasn’t true, but we decided to capitalize on the idea anyway.” And thus the Centurion card was born.

You will not find an application for this card online, although you can read terms and conditions here.

Rather, American Express will extend an invitation to customers who meet certain secret criteria.

American Express will not confirm, but based on our research it is generally believed the requirements are to: If you are one of the chosen few who receive an invitation to apply, you’ll have to pay these hefty fees.

There is no interest rate because it’s not a credit card.

Rather, it’s a charge card, so the balance must be paid in full each month.

Although if you review the terms you’ll see some cards may have a feature that allows the cardholder to pay over time.

Your credit scores are ratings of your credit worthiness, and can be used to help determine your eligibility for credit cards and other financial products.

Having higher credit scores will give lenders the confidence to give you a higher credit limit and lower rates.

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