<prompt> Human: My wife received an invitation to sign up for the Visa Black Card... I was always under the impression one had to be very wealthy to get this card. Our household income is under 100,000. Maybe closer to 80-85,000.Does anyone here have a Visa Black Card? Just curious as to some of the perks you get with it. I read in the brochure that one gets a lot of VIP lounge access and even random gifts throughout the year.Id certainly hope so, since they want almost 500 per year for this privilege. Is it worth it?  <response>: No, theyre just trying to trick people into thinking theyre getting something ritzy. Unless youre dropping 15,000 a month at fancy clubs, theres no reason for you to have that kind of credit card and if you were, youd want to get the Amex Centurion or whatever. 