according to the regulations on the management of official cards, after the official cards are deposited with cash, it is free when the cash withdrawal does not exceed the amount deposited. Because the official card is a bank credit card, the overdraft cash of the credit card will be charged a handling fee of 1% at that time, and an interest of .5% will be charged every day.
differences between business cards and credit cards:
1. differences in preferences. business cards can be used for expenses and reimbursement of official activities. business cards are essentially credit cards, so they have the function of personal consumption as well as official consumption. As a personal consumption credit card, credit card has the same function as ordinary credit card, and can also enjoy the benefits brought by UnionPay standard card preferential activities in more than 14 countries and regions around the world. Ordinary credit cards are mainly used for consumption.
second, the difference of credit limit. 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 1, yuan to 5, yuan or even 1, yuan. Credit cards determine the credit limit according to the applicant's own conditions.
third, the difference of annual fee. The official card is free of annual fee for life, and the overpayment is free of handling fee when it is withdrawn in the municipal or provincial jurisdiction. Some special official cards can also enjoy free of handling fee for withdrawal from other places. Credit cards are charged at .1%-.5% of the cash withdrawal amount.
Advantages of the business card:
1. One card is multi-purpose: the business card can be used for both business consumption and personal consumption. One card can meet all consumption needs and belongs to the bank card tailored for employees in budget units. Other unused "sleep credit cards" held by employees in budget units should be cancelled as soon as possible to avoid unnecessary expenses such as annual fees.
2. Simple reimbursement: The official card can solve the problems that it is inconvenient for individuals to borrow in advance for official expenses and reimburse cash, so as to prevent individuals in budget units from paying cash in advance for official expenses. When spending money by card in different places, it not only avoids the trouble of carrying a lot of cash in long-distance travel, but also reduces the cost of withdrawing money in different places.
3. Identity symbol: Official cards are only issued to employees in budget units, which is a symbol of personal identity, good personal credit and stable income.
4. Convenience and safety: it is convenient and beautiful to carry the business card, which reduces the amount of cash carried and the loss of property when the wallet is lost or stolen-as long as the business card is stolen or lost, there will be no economic loss; At the same time, it avoids the trouble of change, and also avoids the possibility of encountering counterfeit banknotes. In addition, the official card provides a short message notification service for consumption, which can keep abreast of the consumption situation.
to sum up, the functional difference is that the official card is a credit card, which is a credit card that the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Credit cards are just credit cards issued by major banks. They have no special functions, but are suitable for daily consumption of credit cards.
Legal basis:
Article 8 of the Civil Service Law of the People's Republic of China
The salary of civil servants includes basic salary, allowances, subsidies and bonuses.
in accordance with state regulations, civil servants are entitled to regional additional allowances, allowances for hard and remote areas, post allowances and other allowances.
civil servants enjoy housing, medical care and other subsidies and subsidies in accordance with state regulations.
civil servants who are determined to be excellent and competent in regular assessment shall enjoy year-end bonus in accordance with state regulations.
salaries of civil servants should be paid in full and on time.