Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

1. Credit card is a credit certificate issued by commercial banks to individuals and organizations, which can be used for shopping and consumption with special organizations and depositing and withdrawing cash from banks.

2. The applicant for the corporate card must open a basic deposit account at a financial institution in China and fill in the application form as required.

3. Use of corporate cards: All funds in their accounts are transferred from the basic deposit account, and cash is not allowed.

4. The sales revenue shall not be deposited into his account; it shall not be used for the settlement of commodity transactions and labor supply payments exceeding 100,000 yuan; and he shall not withdraw cash.

5. Credit cards can be overdrafted: the overdraft amount cannot exceed 10,000 yuan for gold cards and 5,000 yuan for ordinary cards. The overdraft period is up to 60 days.

To apply for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. After meeting the conditions and depositing a certain amount of reserve fund as required by the bank, the bank will process the application. The recipient opens a credit card deposit account and is issued a credit card. Cardholders are not allowed to make malicious overdrafts - this refers to overdrafts where the cardholder exceeds the prescribed limit or prescribed period and is invalidated by the card-issuing bank.

: Any unit that opens a basic deposit account in a financial institution in China can apply for an unit card. You can apply for several unit cards. The cardholder qualifications are determined by the legal representative of the applying unit or his entrusted person. Written appointment and cancellation of agent. Any citizen with full capacity for civil conduct can apply for a personal card.

Legal basis: "False use of other people's credit cards" as mentioned in Item (3) of Article 196, Paragraph 1, of the "Criminal Law" includes the following situations:

(1 ) Found someone else’s credit card and used it;

(2) Fraudulently obtained someone else’s credit card and used it;

(3) Stealed, bribed, defrauded or obtained other people’s credit card information through other illegal means , and used through the Internet, communication terminals, etc.;

(4) Other situations of fraudulent use of other people’s credit cards.