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. Business cards are mainly used for official activities.

3. Corporate cards enjoy preferential services such as free annual bank fees, free card replacement at maturity, and free SMS.

4. In the financial authorization payment business of the budget unit, the official expenses originally settled in cash, including office expenses, printing expenses, travel expenses, conference expenses, entertainment expenses, special materials expenses and other official consumption and sporadic shopping expenses, shall be settled by official card or transfer except in special circumstances (such as not being able to spend by swiping the card through the designated POS machine).

5. It is stipulated that the official card is mainly used for official consumption and can also be used for personal consumption. For personal consumption information, as long as consumption vouchers or consumption information are not provided, the financial department of the unit cannot obtain the corresponding consumption information. At the same time, finance, banking, UnionPay and other departments will keep the cardholder's consumption information confidential according to the current regulations.

Extended data:

Business card features:

1. Credit consumption and other common attributes.

That is, business cards, like other credit cards, can be paid and settled conveniently and quickly by cardholders, and form relevant consumption information. In this sense, the official card belongs to the category of bank card and is a modern payment and settlement tool.

2. Have financial management attributes.

That is, the official card is not a bank card in the general sense, but a new financial management tool and means that combines the relevant norms of financial management with the settlement method of bank cards. Business cards have special management regulations different from ordinary bank cards in terms of card type selection, quota setting, organization bid, settlement reimbursement, payment and settlement information management, etc.

Therefore, business cards belong to the category of financial management. These two attributes of the official card are inseparable, and it cannot be simply understood that the official card is a settlement tool instead of cash payment.

Credit card function:

Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations, which are universal.

It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

It is a high-tech product integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.

It can simplify the collection procedure and save social labor.

It can promote commodity sales and stimulate social demand.

References:

Baidu Encyclopedia: Business Card

Baidu Encyclopedia: Credit Card