Credit cards are divided into corporate cards and personal cards according to the different objects of use. The difference between the two is as follows:

1. Corporate card:

1. The funds in the corporate card account can only be transferred and deposited from its basic deposit account, and cannot deposit or withdraw cash. The sales revenue is deposited into the unit card account;

2. The unit card cannot be overdrafted to handle the settlement of commodity transactions and labor services. When the corporate card account is closed, the funds in its account should be transferred to its basic deposit account.

2. Personal card:

1. The funds in the personal RMB account are deposited with the cash held or with salary payments, legal remuneration for personal services and investments. Returns and other income are transferred and deposited;

2. The funds in the personal foreign currency card account are deposited with the foreign currency cash held by the individual or transferred from his foreign exchange account (including export account).