The Black Card


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A mysterious black card issues a different amount of money each week and Shi Lei must spend it all within a week’s time. Otherwise, he will be welcomed by the black card’s punishments.

“Spending money is really tiring.” —- Shi Lei said.

“I will set a small goal first, such as spend a hundred million……” —- Shi Lei said in self-satisfaction.

“The one thing I regret the most in life is having infinite money to burn without a choice.” —- Shi Lei finally said.

Associated Names
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Related Series
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Recommendation Lists
  1. Rich Protagonist / Chaebol
  2. Novel action fantasy etc. 2. Most of them idk yet
  3. Toxic relationships- ironic story
  4. Straight Chinese Urban Harem Novels

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23 Reviews sorted by

Rosver rated it
September 15, 2017
Status: c22
Okay. It starts rather well then it failed to keep my attention.

I think I know the problem though. The premise is just not suited for a very prolonged story. Read the description... Does it sounds like something that could last for 1100+ chapters?... No!

The best form for the premise is a short story or at most a novelette. It is a perfect premise for a short fiction.

Or if the author wants to stretch it really long, then it could work as an episodic serialized story. A collection of stories of... more>> various people that are affected. Something like Hell Girl or Pet Shop of Horrors. With Hell Girl, the premise is about a website where you can access at midnight where you can use to send someone you hate to hell. Pet Shop of Horrors has this shop where you can buy exotic animals except that it comes with strict terms that results to serious consequences if broken. The premises are similarly suited for short burst.

Also like Hell Girl and Pet Shop of Horrors (both of Horror genre), Black Card premise is really suited for Horror, and this is where this story fails terribly. It is Horror material right there! It instead opt to be Slice-of-Life and Comedy and destroying any tension and potential the premise has.

As a Comedy, its humor is really weak. NU doesn't recognize it as Comedy, but seeing how often the story tries hard to be funny, it should be one... Just that, it is not funny at all. The author just can't do comedy.

As for the Slice-of-Life it focuses on the MC using the expensive products he buy and the lifestyle he now had. It is easy to see how repetitive and boring it is. Not to mention how it conflicts with the nature of the premise. Any slice-of-life moments this story have is redundant because they don't connect to the plot and conflict. They become fillers to stretch out the plot. And the worst thing is, the story focus on this. He buys something, and a chapter or two is devoted for that. He buys another thing and another chapter is devoted to this new thing. And so on. It is just boring.

The author could have opt for Horror-Comedy as all the ingredients are already there. Instead, the story is forced into an incompatible genre where it just becomes boring, pointless and repetitive.

At least, I didn't find this story insulting or infuriating so far. Just really really poorly executed.

Edit: Woah! There is this Redmi targeting my review. I shouldn't be doing this but... Oh well:

  1. I didn't say it falls into the horror genre. What I say was, the premise is better suited for horror.
  2. I'm a He and I never find any of the humor here funny. And only serviceable? Well, still good for you. At least you find it serviceable. Horror and Thriller do overlap that many says that they are the same thing. Though I think Horror fits better because of the outcome. You'll lose body parts weekly! Come on. That is horrifying! Just imagine loosing a hand or an eye! And that happens once a week! There can be Thriller elements, but the premise is clearly Horror!
  3. Integral? Yeah... Sure... Whatever. If you believe so. Yes! Surely these can't be summarized because something like buying a phone, or eating lobsters, or buying clothes has such deep and intrinsic connections to the main plot that the main plot becomes incomprehensible if these are summarized. A chapter has to be dedicated to it because they so so important!
  4. That is the only weakness you see? You have such a low standard.
Though, I'll change my rating from two to one because somehow a person like Redmi that doesn't have much of a discerning taste could find a flaw that is worth rioting for. <<less
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acoleman2 rated it
November 6, 2017
Status: c7
It's just bad.

Here are the reasons not to read this novel:

    1. The MC is an idiot. He sees a person disappear in front of him, and then when he hears that he'll face the same if he doesn't spend money he thinks "it's obviously a prank"...
    2. The MC is a racist. Already obvious from the cell phone discussion (clearly hating Koreans and Japanese people).
    3. The MC acts like a sniveling coward, being very obsequious to villains.
    4. It's actually unpleasant to read the MC's interactions with the card.
    5. The whole novel seems like it's meant to be funny, but ends up just being weird and offputting.
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AverKill rated it
October 9, 2017
Status: --
This novel is just sad,

... more>> First, its obvious that the entity giving him money is forcing him into being able to lose the money once its withdrawn

Second, playing games is one of the easiest ways to burn money and just p2w, but instead he does real word stuff like going shopping and eating at expensive places.

Third, either the money value doesn't make sense or I don't understand Chinese economy because he sold his phone for £11.00, then ordered an expensive car as a taxi at a cost upward of £2.50 like wtf then he said laptop costing over £8000. Im so done for that price I can buy the best gaming desktop currently available.

This MC is just too dumb for my liking I mean bruh. <<less
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General Tanya
General Tanya rated it
March 10, 2018
Status: c80
I though it was good in the beginning, but later on it just entered the level idiocy. Is was kinda interesting with all the rules making him use the black card, but his way of thinking how to use money is just ridiculous s*upid. There is so many ways to go and the best thing he could think of was buying expensive clothes, laptop and eating lobster. This clearly is a immature author writing the novel. Also the way the author try to put the MC on the sage path... more>> is intolerable. MC is a 20+ years old virg*n and the author actually make him into a sage. He has money and the best thing he could have though was to invite his friend to eat lobster and be role model tutor. No normal guy his age think or act like that. Unless he is gay or seriously decided to become a priest. Basically these kind of MC would have their love ones already cuckold if there wasn't any plotarmor protecting them.

At this level I could still read the novel, but when the MC started to pick a fight with a rival by wagering who own a more expensive car then that's where I drop the novel. I mean seriously? A 20+ old guy try to protect his gf by fighting over what kind of car they can afford? Basically you have 2 little kids boasting who has more money to waste and actually bet their honor on it to show off. It feel like when you were just a kid and brag who's father is more awesome. Author could have done way better than this. Such a disappointment. He could have told the story in a more mature way and have the MC solve situation cleverly instead of this crap. You must be 12-16 of age to like the story. Any older is just disgusting and pathetic. <<less
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yajrabear rated it
February 2, 2018
Status: c101
So many people are rating it as a one star and I'm so infuriated. This novel has a potential but some people just treat this one, as a novel all about a guy that has a card that gives him money and he needs to spend it in a week. But, this novel is not just about the card or the spending, try reading it until chapter 100 and you will know what I'm talking...
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September 9, 2017
Status: --
it' definitely a light novel with big potential but I don't know why he can't just google ' How do I spend money infinetly' and he'll get a bunch of answers for his worries easy right ? Or hire someone to beat up the thugs in ch 10 a lot of solutions anyone can think of but the author is like forcing him to have problems to get the story going and showing how poblems arise when you have too much money but in reality it's definitely not true.

the novel... more>> is just starting it's a refreshing new style " some superpower transfers money into his account and he has to spend it in a week or he'll face a bloody penalty at first he doesn't need to spend much but at the later chapters I guess it'll get really hard <<less
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RandomName131 rated it
April 28, 2018
Status: c300
This story only works because of how s*upid the MC is. It tries to show him as smart and clever by bending the rules but the idea is really simple just spend all the money in a specific time. There is absolutely no reason why that should be hard even with the rules. Another MC who lets girls run over him without him doing anything. Plus all the trouble he's in is because he spends time with them when his most important task should be to spend all his money... more>> but he lets them drag him around. Overall don't get your hopes up with this it's fine with passing time but nothing interesting at all to me, <<less
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mihaita98 rated it
February 4, 2018
Status: c195
Well... Im not good at reviews, but ill do my best this time.

This novel is practicly about the unfortunate MC that needs to spends huge cuantities of mony like in Norway or Dubay, where there really is easy to spend, in a small city of china that is barelly consideret as passable to make investments.

The MC can not buy everythink that he wants like gifts to someone or to waste food or something similar, and is practicly monitorized 24/7 in everithing he does.

The story develops slowly, so you will need... more>> to read up to ch 70-100 to really understand how unfortuned is the ms.

And the most tragic thing is that he is punnished even if he doesnt use 5 RBM from a total of 80000, or if he is using it to buy gifts or waste food. There are also things that he cant buy like over-taxed objects, etc. <<less
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13th Echelon
13th Echelon rated it
November 2, 2017
Status: c76
It's interesting at the start and I knew this one is going to be a slice of life but the story does not really improve that much considering every week he will receive money and has to spend it all. The system seems like forceful and fearful but in actuality, there's nothing much about it. The personality of the Scepter and MC is pretty boring and the openness of the story is very restricted. It's got a lot of potentials but the ideas pertaining interactions of characters are bland, the... more>> functions and motive of the s*ave Department & Scepter are vague for now and I find it unnecessary, I really don't think that the mysteriousness of it will have a big impact later on.

Overall for the story, I'll give it 2/5. It means I won't even read it even in my free time.

Translation quality 4/5. <<less
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ArgosYesu rated it
February 14, 2018
Status: --
There are some things Black Card does right, and some things it does wrong.

The system behind the Black Card itself is probably the most developed, along with the MC's personality when dealing with it. However, the story does not have anything... potent enough to keep a reader's interest. Spending and investing can only go so far, and the attempts at romance is passable but not noteworthy.

Issue here is that the rules for the Black Card's use limits where the story can go. You can't simply throw in a bunch of... more>> young masters the MC can pound to death with cash, cause rules are he can't use the money like that. As the story progresses, it devolves into a pseudo-political/social story where MC focuses on promoting his personal connections in order to take a step into the world of the rich. The only problem is that this is incredibly boring.

While I do like the girls introduced, and do want to see how the romance will develop, the rest of the story is just too boring to keep my interest. However, it isn't badly written, and I don't really understand all these 1 stars. Plot and development-wise, the story is far better than most and only lacks an edge to make it the best.

4 stars because it could just do much better, but otherwise sticks to its core of 'spending lots of money'. <<less
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ZedResIV rated it
August 31, 2018
Status: c426
Not amazing, but not bad. In other reviews I've read about how people give up on this story too quickly.

Anyways, I have enjoyed this novel for the situation 'forced' onto the protagonist.

If someone were to continue the translation, I would want to continue reading it, but I doubt I'd ever want to reread the entire story.
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wait321 rated it
August 10, 2018
Status: c140
This novel is a huge missed opportunity. The premise and start are amazing but the characters are too childish and everything falls apart fast. I really liked the premise, that was basically an opportunity where you risk your life, but the main character is too passive to take advantage of it. The author keeps saying how smart the main character is trying to figure out the rules but he doesn't really plan anything beyond "what to buy next week."

He treats rich people as gods and doesn't try to learn from... more>> them at all. He gets led around by a sexy women, does everything she wants for no reason, and the narrator tries to aassert that he's immune to her charm. I doubt he'd follow an ugly fat homeless guy around, so it's pretty obvious that he's not immune or that smart.

Overall, every event feels forced and the characters actions are too boring. It's irritating seeing the main character make so little progress and waste so much time with the insane opportunity he's given. <<less
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whosays25 rated it
November 17, 2017
Status: --
The first few chapters are not very interesting since the MC looks like a fool for me. He's got money but he's worried on how to spend it? Can't he just donate to the charities/orphanages/foundation if there's a quota to reach? He can't? Then why not start a business where he would have to constantly pay his employees, buy stuff and bribe some? Surely, there are maannnnnnny more effective and rational ways of spending money, right? Hehe, that's what I was thinking when I started reading it so I was... more>> really dissatisfied with the MC's actions, add to that the shameless qidian promotion on one of the chapters. The heck, there's also blatant racism and I'm sure this point was mentioned already in one of the earlier reviews.

Fortunately, somewhere in the middle, the MC finally shows sign of intelligence so the plot turned better. The rules and such about the black card is already partially released so the things the MC does no longer appear moronic. <<less
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AtnShadid rated it
June 19, 2019
Status: --
Good start, but when he started getting pushed around like a bit*h the story went downhill and didn't recover at all. Why the f*ck are all those novels the same thing, they act as if the MC is someone with a personality, just to make him end up being like a s*ave to females.


Like seriously a female he met just because she hit him with her car forced him into a relationship in 2 days? Are you f*cking serious? It's ridiculous how s*upid it is.
Also a tomboy goes straight for him just because he interacts with her a little after beating her in a race? Is our MC a female magnet or what?

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May 23, 2018
Status: c250
I won't rate until I done or at least catch up with the TL for this novel.

The interesting part of this novel is how a person with money will spend it, it was interesting so far but if you think about it in a moral basis this novel is seriously have some major defect.

First bad thing about this novel is how women are introduce

... more>>

Most women character in this novel are either tool for s*xual interaction or just things that have a price tag, regardless of the author reason it is really sad putting a price in a women especially when MC is still a virg*n.

Women who revolve around MC are also very unbalance we have one whom mc's childhood friend suppose to be an innocent as a virg*n girl with no touch attitude yet note she work in a bar (a moment of silence) for some odd reason this girl has a anti-pe*vert shield regardless of the situation, it mean author gave her a thick plot armor and she is rarely mentioned in the novel which is weird since MC brought her and made her his s*ave and the contract will only be done if MC took her v**ginity yet NOTE MC is still a virg*n...

Another two girls who is close with MC the author portray them as an innocent girls with a B*tchy and pe*verted attitude and they both want to r*pe MC so bad that MC is always on guard towards them and again MC is still a virg*n!

Another thing is how male characters act in this novel they always have a s*x party in the background, can author just write a normal male character without making this people F*ck every girl they see? although they have s*x with all random girl in the story it has yet to touch mc's women but seriously why must all male enemies f*ck a girl to relieve their stress toward mc! and for Christ sake MC is still a virg*n!

For example line like this always common in this novel:

"Good job I already prepared a room you can choose any girl you like"

"I invited you later in a bar we have prepared a lot of sexy girls you can have s*x to anyone of them"

"You can choose any girls in the bed that I already F*ck pick anyone you like"

most reader out their I now realize why you rate it 1 seriously I myself want to give it a rating of 1 I just want to sympathize with MC, how much does the author hated the MC does the MC really remain a virg*n through out the story? the thought itself is already boring...


As for how the MC spend his money


I want to say that spending is not as easy at it sound especially with so many hidden rules that can instant kill the MC, most review said that spending money is easy but think again if spending that money and you fail to do that wisely mean instant death then even buying a cup noodles is very dangerous as the author must have hated piracy and one rule in spending is buying pirated stuff is not counted. And some other mentioned price, seriously why compare real life price and the story pricing that is just plain headache if author say a laptop is worth 1$ then why bother compare author is god


As for the black card


I don't know about other reader but for me I realize specter is female by how she speak and interact with MC, you can compare specter to other female character and you will notice it maybe. As for the black card I think its EXPERIMENTAL stage so it's not fix as what MC discover (you have plot armor to thank that). Their are so many hidden rules that MC has yet to discover and many rules that MC has yet to change.


What I like in this novel


How MC seriously struggle between money and women and still remain a virg*n! Cliche characters appearing out of nowhere becoming mc's enemies and MC tr*sh them at the end. face slapping people who are stronger than MC. Plot armor is not very powerful in this novel because the only thing that MC must avoid at all cost is not to let a single cent from unspent because it can instantly kill him. why? because for some odd reason the author target MC D*CK as a colateral if MC fail to spend all the money. The author shows no mercy to MC not only MC remaina virg*n if he fails to spend a single cent the first thing to disappear is his D*CK! JUSTICE for MC! and the most important thing is it's fun and I enjoy reading this novel!


Do note you might think that this is a bad novel because of the rating which is 1 is overwhelming but I think maybe just maybe the reason of most reader to rate 1 is


Because MC is still a virg*n even though 300+ chapters was already written....

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zouave rated it
May 2, 2019
Status: c350
I will keep reading but the forced logic being fed on readers is unimaginable, it is just messed up.

Update#1: MC doesn't know what internet is, I just looked up hotel prices and can easily spend the initial earning etc. It's like the author is so focused on building tension it just seems ret*rded. Also, the author is trying hard? or trolling us to make it seem as if the MC has a head on his shoulder.

Update#2: MC's motto: I don't know how to spend money. He keeps saying... more>> that again and again in the novel while not actually simply asking other peoples ideas on how to best spend money or research online how rich people spend money, it's not like he has to talk about his powers... Unless I missed something in the novel by skimming chapters as it was too much to read with such bad plot or thoughts w.e.

Update#3: Still skimming the boring chapters where he is just chilling with the kid and sometimes the girls, the author hasn't made huge mistake etc. but the novel would have been better without MC still struggling to spend ~20-25k in a week. It's an okay novel to read but I enjoyed A Valiant Life more than this, so far. Also, MC tends to assume a lot of things, which I really hate, although I do that often too in real life but normally people tend to re-think their own thoughts when it concerns their life but well for MC it seems that 150 chapters or 1-2 months isn't enough to think deeply about the stuff that's happening to him.


His assumptions are so bad, in one instance he assumes that using black cards power to gain money would need to be spend within the time period he has. He didn't bother asking the scepter, also even if it was true then there is a flaw in the system as one of the other power can be used to check if any investment makes a profit and he can make money off that and keep that. <<less
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00petar00 rated it
May 18, 2018
Status: c318
I don't think that it is as simple as other people have said, he can't just spend money, he needs to be sure how much the item is worth before buying it. What if he spent a big amount of money to buy an overpriced plane? He'd be screwed and he would need to pay from his own pockets or die.

The idea is that he needs to know the values of items he buys and most people try to make profit on whatever they are selling, its not easy for... more>> him as a poor guy to understand how much something would cost that he never even hoped he'd own before.

It gets quite annoying that he spends so much time with other women and their problems, I wouldn't mind it so much if he wasn't getting involved with new women/girls every few chapters. I don't really like harems but I can ignore it if there is substance to the novel outside of it. This is the biggest issue I have with this novel.

It is not perfect but it can be an enjoyable novel to read. <<less
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plungedtoilet rated it
June 5, 2019
Status: c426
Okay, first I've got to say I love this novel. Now, I know the start is bad. But look at the statistics for the ratings. It's so split between 5-star and 1-star. That's because either it's great for some people or others can't get past their own ideas or the bad beginning.

One of my favorite things about this is that the MC grows. Yeah, he's fairly s*upid, but it gets better later on.

To me it's kinda like GoT. A slow, shitty beginning and a captivating story later on.

So, I recommend... more>> reading to at least Chapter 100 before judging it. Blind hastiness is a no-no. <<less
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iWH1te rated it
February 26, 2019
Status: c271
Even one star is an insult for the time lost on this novel. I have to admit that, the beginning, as everyone here already said, had amazing potential. However, the author, presumably because he is either a) an imbecile b) his first work, couldn't capitalize on the novelty and focused on trading the same path of modern Chinese novels. Authors trying super hard to defend MC's train thought when what he is doing is plainly s*upid.

Another thing I would like to emphasize is the utter s*upidity of saying 'I'm not... more>> charmed by her beauty' when the girl is leading you by the nose. It is like saying: I'm not drunk, look how sober I am. Then you stumble and make a fool out of yourself. The author tries to camouflage his mistakes with s*upid and flawed reasoning while readers can see author's amusing tricks. Amusing and pathetic.

Final Rating: UNSAVORY

Kindly give me back my time. <<less
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chekanalia rated it
December 29, 2018
Status: --
Nice idea but poor execution. The MC was very immature and there were a lot of unnecessary characters involved. Got to 145 before I dropped it and it was all because it was not going anywhere. Filler material and a whole lot of impracticality. Complete waste of time.
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