1, official card:

Mainly applicable to the staff of the central budget unit.

2. Credit card:

There is no specific applicable crowd, and both students and working people can handle it.

Second, the use is different:

1, official card:

Mainly used for daily official expenses and financial reimbursement business, and taking into account private consumption.

2. Credit card:

Mainly used for daily consumption. 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.

Extended data

The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

Business cards have the common attributes of credit consumption and other common attributes of ordinary bank cards, and also have the unique attributes of financial management. It can combine the relevant requirements of financial management with the unique advantages of bank cards, and it is a new financial management tool and means. At the same time, the official card has the basic attributes of a general bank card, and it is free of interest to withdraw cash.

Baidu encyclopedia-business card

Baidu encyclopedia-credit card