The difference between ICBC official card and credit card
1 Business card refers to the credit card held by the staff of the financial budget unit, which is mainly used for ordinary business expenses and financial reimbursement. Credit card ordinary card is just a credit card issued by major banks, and it has no special function, but is suitable for the daily consumption of credit cards.
The official card holder is a staff member of the budget unit, and the identity must be confirmed by the unit when handling the card; Ordinary credit cards do not need to be identified when applying.
3. The official card is essentially a credit card, so it has the function of personal consumption at the same time of official consumption, and can be used for official activities expenses and reimbursement; Ordinary credit cards are mainly used for consumption.
4 The credit limit of official cards is high, and the credit limit given by banks to civil servants' credit cards is generally high, ranging from 1000 yuan to 50,000 yuan or even 1000 yuan. The credit card determines the credit limit according to the applicant's own conditions.
5 Business cards are free of annual fee for life, and the overpaid part is free of handling fee when withdrawing money in the municipal or provincial jurisdiction. Other credit cards are charged at 0. 1%-0.5% of the cash withdrawal amount, and some special business cards can also enjoy free handling fee for withdrawing money in different places.
In addition, the official card has many value-added services, enjoys the distinguished courtesy of the gold card, and has the unified field code of the official card BIN number. Corporate cards enjoy free card exchange, free SMS and interest-free cash withdrawal. Of course, whether to run a business card or a credit card depends on who the user is and what the purpose is.