Can companies apply for credit cards?

Yes. Generally, banks have credit cards specifically for companies. The types of credit cards also include corporate business cards and personal cards. The only ones that can be processed through the company are business cards, otherwise they can only be processed in the name of the individual.

Extended information:

Business card, in some places called corporate card, is a credit card specially designed for official use. The company applies to the bank to provide employees with travel services. It is used for paying by credit card when negotiating business. After employees use company cards to make purchases, the bills will be paid directly by the company, which can save traditional employee reimbursement and payment reimbursement procedures. The company's accounting department can make reconciliations based on the consumption list compiled by the bank every month, saving a lot of trouble, or even further obtaining quantity discounts.

Business cards can also be equivalent to corporate credit cards, opened in the name of the company and based on the company's credit, to advance various financial expenses such as employee business trips, corporate purchases, business entertainment, etc., all in one card The expenditure will be repaid uniformly by the corporate finance department at that time, which avoids high invoices issued by individuals, reduces the cost of corporate fund preparation, and makes corporate financial management transparent.

Business card holders can only use it within the scope of merchants accepted by the commercial card they hold, and merchants can only accept commercial cards for which they are authorized to make transactions. When purchasing a commercial card, use a dedicated terminal and conduct offline transactions without entering a password. When using the Business Ushi Card to make purchases with the card, the merchant will no longer provide invoices, and the cashier slip and POS printed receipt issued by the merchant will be used as proof of consumption; the card cannot be reported as lost, cash withdrawn, or overdrafted; if the amount in the card is insufficient to pay, cash or credit card can be used Pay the balance; the use of commercial cards must comply with the merchant's usage regulations. The merchant has the right to interpret whether card holders will participate in the merchant's discounts and promotions. The management center and accepting merchants may refuse to accept commercial cards under the following circumstances: suspected counterfeit cards, stolen cards, severely damaged card surfaces, faulty cards, overdue cards; acceptance terminal failure and irregular acceptance; information system failure, unable to support commercial cards acceptance and other emergencies. Business recharge card Business recharge card can be used to pay various public utility bills for Shanghai residents online: water, electricity, gas bills, mobile phone, telephone, broadband Internet charges, cable TV bills, etc.

E-commerce payment: You can make online purchases at the franchised merchants of the online mall designated by the business recharge card.

To purchase a card, call the management center to make a reservation and confirm the number of cards purchased, the payment method, and the name and contact number of the customer's person in charge.

Customers can also go directly to the management center to purchase cards and recharge services. Those who pay by cash can pick up the card directly, while those who pay by check will need to pick up the card after 3 working days.

After confirming receipt of the customer’s card purchase payment (payment by check or transfer), the company will notify the customer to come to the company to pick up the card.

Customers go to the company to collect the card and purchase the card invoice with the check receipt or transfer voucher and the valid ID of the person in charge.

For customers whose purchase amount exceeds a certain amount, card delivery services are provided. Customers must sign and stamp the official seal or financial seal on the card collection receipt.

Can I apply for a credit card only with a self-employed business license?

You can apply for a credit card with a self-employed business license, but you must have an ID card and a mobile phone number.

You can apply for a credit card by providing a business license, but banks generally have stricter reviews for self-employed industries, and it is generally not easy to pass. However, you can provide more asset certificates to the bank, which will help. Improve approval efficiency and obtain ideal quotas.

Proof of assets can be self-owned real estate, including your residence, commercial residence, shop, etc. It can also be a copy of the certificate of land and vehicle, or it can be purchased funds, treasury bonds, corporate bonds, insurance, etc. Copies of purchase receipts for stocks and other securities, etc. The more and more powerful the materials, the greater the chance of approval by the bank.

Extended information:

In principle, all Chinese citizens, foreigners with the right of residence in China and compatriots from Hong Kong, Macao and Taiwan, as long as they meet the basic conditions for applying for a credit card, can apply for a credit card. You can apply for a credit card. However, among the basic conditions for applying for a credit card, a very important one is to have a stable formal job.

Compared with ordinary bank savings cards, credit cards can make ordinary purchases without cash in the card. In many cases, you only need to return the consumed amount on schedule.

You can make overdraft purchases without depositing, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges. It is known that domestic credit cards are generally valid for three or five years.

Baidu Encyclopedia-Credit Card

Can I apply for a credit card in the name of my company? What procedures are required?

Yes. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. However, applying for personal credit card products cannot be done in the name of the company. However, when applying for a credit card, you need to fill in the name of your current employer and submit a certificate of employment or income issued by your employer with an official seal.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

Extended information:

According to the "Notice on the Issuance of the "Credit Card Business Management Measures"":

Article 33: Any person in the People's Republic of China *** Organizations that open basic deposit accounts with domestic financial institutions can apply for organization cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There may be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35 All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.

Article 36 Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or lend the account.

Baidu Encyclopedia-Credit Card

How to apply for a credit card with a business license?

To apply for a credit card, you need to provide the following materials:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), Soldiers need to provide a copy of their military ID;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp the company name Official seal or personnel seal), or a copy of the work permit/plate;

3. Proof of financial resources: it can be a bank salary record, or income tax withholding voucher, or documents proving the market value of houses, cars, deposits and investments. (such as a copy of the real estate certificate/car driving license/bank time deposit certificate) and other documents that can prove the level of financial resources.

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1. How to apply for a credit card with a business license:

1. It is difficult to apply for a credit card with only a business license. If you really need to apply for a credit card, it is recommended Go to a commercial bank, such as China Merchants Bank, China CITIC Bank, China Guangfa Bank, China Everbright Bank, etc., and bring your proof of income, proof of financial resources, ID card, and copy of your business license to the bank counter to apply for a credit card. 2. Proof of identity: usually an ID card, required to be between 18 and 65 years old, with full capacity for civil conduct;

3. Business license: generally required for more than half a year;

4. Proof of financial resources: bank account statements, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/copies of bank time deposit certificates) and other materials that can prove your financial level. .

2. How long does it take to apply for a business license before you can apply for a credit card:

For an individual industrial and commercial household business license, according to the individual industrial and commercial household registration procedures, the application materials submitted by the applicant must be complete and in compliance with the legal form. , the registration authority shall register on the spot, and if it is necessary to verify the substantive content of the application materials, make a decision on whether to grant registration within 15 days.

For a partnership enterprise, according to the Registration and Management Measures of the People's Republic of China on Partnership Enterprises, a decision shall be made within 30 days to approve or disapprove registration.

For companies, sole proprietorships and other enterprises, according to the enterprise registration procedures, if the applicant or his authorized agent submits an application to the enterprise registration location for acceptance, a decision to approve registration shall be made on the spot. If it is necessary to verify the application materials, a decision on whether to approve registration shall be made within fifteen days from the date of acceptance. The normal time to apply for a self-employed business is 35 days, and some cases only take half a month. The main reason is that there are too many rejections. The main reasons for rejection are:

1. The store name of the self-employed business was registered first. (similar names).

2. The business scope is too general, not specifically marked, and not detailed enough (for example, technology: mobile phones and digital cameras should be written, and the details should be written).

3. If the address does not meet the requirements, the Industrial and Commercial Bureau will also reject it (this is to divide the address facade according to its own industry).

Can I apply for a credit card with a business license?

I cannot apply for a credit card with a business license alone.

There is no ID number in the business license, and the bank requires the applicant to provide the ID number. A business license is a proof of financial resources. Providing a business license to a bank can help increase your credit card limit. The necessary documents for applying for a credit card are the People's Republic of China and the Second Generation ID Card. If the applicant wants to obtain a credit card with a larger limit, he or she can provide a business license and tax returns, real estate, cars, deposits, funds, stocks, and debts of the past three months.

Extended information:

A business license is a certificate issued by the industrial and commercial administration to industrial and commercial enterprises and self-employed individuals allowing them to engage in certain production and business activities. Its format is uniformly stipulated by the State Administration for Market Regulation.

The registration matters are: name, address, person in charge, amount of funds, economic composition, business scope, business method, number of employees, business period, etc. The business license is divided into original and duplicate, both of which have the same legal effect. The original copy shall be placed in a conspicuous place at the company's residence or business premises, and the business license shall not be forged, altered, rented, lent or transferred.

Industrial and commercial enterprises or self-employed individuals without a business license are not allowed to open their business. They are not allowed to engrave official seals, sign contracts, register trademarks, or publish advertisements. They are not allowed to open bank accounts.

Baidu Encyclopedia - Credit Card

Can I apply for a credit card with a self-employed business license?

Regarding how to apply for a business license, as a self-employed person, in addition to providing a business license , you also need to provide copies, ID cards and copies. For some banks, you may also need to prepare tax registration certificate, three-month tax payment certificate and other documents. If you do not have a certificate, you can show a property certificate. The four major banks, ICBC, Bank of China, Agricultural Bank of China and China Construction Bank, have high requirements. China CITIC Bank, Everbright Bank, Shenzhen Development, China Merchants Bank and China Guangfa Bank have low thresholds for applying for cards.

There are two common credit card application methods:

1. Enter the official credit card website, select "Credit Card Application" - "New Customer Application Channel", and make an appointment through "Easy Appointment, Door-to-Door" Go to the online banking application appointment platform, fill in the simple appointment information online, and wait for the bank's review. If the review is passed, a specialist will contact you by phone to confirm that the application will be done at your door. If you want to apply in this way, please first confirm whether the bank in your area can provide free appointment for door-to-door processing (the results will be displayed after selecting the province/city/district);

2. Processing at business outlets, Bring your original identity certificate, work certificate and financial certificate documents and go to any bank branch in person to apply.

This answer is provided by Youqianhua, a credit platform under Duxiaoman Financial. Duxiaoman Financial will effectively implement the country’s call to support small and micro enterprises to tide over difficulties and fully support small and micro enterprises. In production and operation, most small and micro business owners choose to spend their money to meet the business turnover needs of small and micro businesses. It is reported that 70% of Duxiaoman Financial’s credit users are small and micro business owners. Up to now, Duxiaoman Financial has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners. Turn to Duxiaoman Financial, and big brands will feel more at ease.

This concludes the introduction to applying for credit cards for individual businesses and applying for credit cards for businesses. Have you found the information you need?