How to use the official card and matters needing attention

The usage and precautions of the official card are as follows:

Business cards are used in the same way as credit cards. Business cards are mainly used for daily official expenses and financial reimbursement. Matters needing attention for business cards are as follows:

1. Personal consumption of official cards must be swiped on the POS machine, and cash withdrawal cannot be made directly.

2. Personal consumption of official cards cannot be reimbursed, and it is illegal to publish private accounts.

3. After personal consumption, the official card must be repaid by the individual, and the cardholder can repay the bank by cash payment or transfer.

4. After personal consumption, the official card cannot be repaid according to the minimum repayment amount, and must be repaid in full, otherwise the official card will be overdue.

5. The legal subject of the official card is the cardholder himself. Once the official card is overdue, it will affect the cardholder's credit card, and the expenses such as cyclic interest, liquidated damages and over-limit fees arising from overdue will be borne by the cardholder.

To sum up, the official card is a credit card for both public and private use, which can be used for personal consumption and official expenses. However, personal consumption cannot be reimbursed by the company, and the cardholder must repay the money to the bank, otherwise it will affect the cardholder's own credit.

The difference between business cards and ordinary credit cards

The main difference between the official card and the ordinary credit card is that the cardholder of the official card is the staff of the budget unit, and the identity must be confirmed by the unit when handling the card; Second, the official card is mainly used for official activities; Third, the official card enjoys preferential services such as bank free annual fee, free card replacement at maturity, free handling fee for local bank withdrawal, and free SMS.

Business card refers to the credit card held by the staff of the budget unit, which is mainly used for daily business expenses and financial reimbursement.

The business card has the following characteristics: first consume and then repay, enjoy an interest-free repayment period (up to 56 days), have a minimum repayment amount, and customers can repay their overdrafts by installments.