Hello everyone.. I just received the Visa Black Card today in a pretty nice packaging. I did not apply for this card and they had told me that they would waive my annual fee (they did this with my Chairman card as well).. I currently have a Amex Centurion, Amex chairman, Merril+ Visa, and now this Visa Black Card. Currently, the concierge service on centurion and chairman card have become terrible. I will try out this card to see if the concierge is really as good as they claim it to be. Will post up with updates..