When Lai Mingjie paused earlier, it was because he was thinking of the maximum capacity of the black cards. If he remembered it correctly, it just used to be $1 billion from the last time he had one. It's not that the black cards were actually not limitless, but it was to stop billionaires from paying projects through cards. Business deals should be done bank-to-bank or through checks for a more secure transaction.
He also remembered Shui Ying saying something like the demon emperor wouldn't waste $50 billion on an item, especially that he could snatch it if the other party had more money. That was why he jumped to $60 billion to completely deter the demon emperor. As for the item… he could leave that to Xu Rouguang.
Lai Mingjie only took out his phone and messaged someone when everyone's eyes were on Xu Rouguang: "I still need to snatch more to bait him completely. How much do I have now?"