1. The official card is a kind of credit card. The issuing bank will issue a certain credit line to the cardholder, and the cardholder can spend within the credit line before making repayment. Ordinary cards are only credit cards issued by major banks, and have no special functions, but are only suitable for daily consumption of credit cards.
2. The holder of the official card is a staff member of the budget unit, and his identity must be confirmed by the unit when handling the card, while the ordinary credit card does not need to be confirmed when applying.
3. Business cards can be used for expenses and reimbursement of official activities, while ordinary credit cards are mainly used for consumption. Public card is essentially a credit card, so it has both personal consumption function and official consumption function. At the same time, like ordinary credit cards, you can also enjoy the benefits brought by UnionPay standard card preferential activities in more than 14 countries and regions around the world.
4. The credit limit of public credit cards is high. You should know that the credit limit of official credit cards in banks is generally high, ranging from 1, yuan to 5, yuan or even 1, yuan. The credit limit of ordinary cards is determined according to the applicant's own conditions.
5. The official card is free of annual fee for life, and the overpayment is free of handling fee when it is withdrawn within the jurisdiction of the city, while other credit cards are charged at .1%-.5% of the withdrawal amount. Some special business cards can also be exempted from handling fees in other places.