What's the difference between a business card and an ordinary credit card? What are the advantages of business cards?

The difference between business cards and ordinary credit cards is manifested in three aspects:

1. The cardholder of the official card is a staff member of the budget unit, and the identity must be confirmed by the unit when handling the card.

2. The official card is mainly used for official activities, mainly for daily official expenses and financial reimbursement.

3. Corporate cards enjoy unconditional annual fee exemption, free card replacement at maturity, free handling fee for cash withdrawal from local banks, and free SMS service.

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If the credit limit applied by the customer is lower than the "shadow credit limit" automatically calculated at the end of each month, the application can be automatically passed. Is this correct?