First of all, a legal person is not a natural person in the actual sense, and its legal representative is a natural person. Legal representatives of some enterprises often apply for credit cards in their own names in order to facilitate their own capital flow. The legal representative must meet two conditions when applying for a credit card: at least 18 years old, with stable repayment ability. Those who meet the above two conditions need to prepare the following materials: resident ID card, work certificate provided by the enterprise, income certificate and tax payment certificate. The information required by the bank is different and can be provided according to the actual situation.
2. Apply for a credit card in the name of the enterprise.
Credit cards are used for business, generally called business cards. This is a credit card specially used for official business, which is applied by the enterprise to the bank for employees to use in advance when they work outside. Under normal circumstances, an enterprise that has opened a basic account in a domestic financial institution and has the status of an independent legal person can apply for a business card in a designated financial institution with the relevant documents such as an account opening permit issued by the People's Bank of China. Generally speaking, enterprises can apply for business cards for many times, but they must designate cardholders. If the cardholder qualification is cancelled, the enterprise will bear all the debts.
The above are two forms and methods of handling corporate credit cards, but it should be noted that both enterprises and individuals must make good plans when handling overdraft business to avoid credit problems due to failure to repay.