What is a corporate credit card (debit card)?
Enterprise credit card (credit card) refers to the credit card (credit card) applied by the enterprise. Transfers can be made through the enterprise's basic account. Advances can be made but cash cannot be withdrawn. It is based on the self-service loan method and customer acquisition After the credit limit is granted, the loan you apply for will be credited to your account in real time, settled in real time and interest will stop accruing, and you can self-repay the loan through your business account. The general limit is 0 to 1 million yuan, and the maximum credit limit can be 5 million yuan.
How do small and micro business owners apply for a credit card?
If you only provide a business license, you cannot apply for a credit card. In addition to the business license, if you can also provide tax certificates, real estate, car ownership certificates and other documents that can prove your income and assets, it is in compliance. You can apply for a credit card according to the bank's requirements.
In addition to the convenience of applying for a credit card, there are now many credit platforms that help small and micro enterprises. Remember to choose a formal platform, such as Duxiaoman Financial, which has high credit limit and low interest rate. It is understood that the credit users of Duxiaoman Financial Among them, 70% are small and micro business owners, and big brands feel more at ease.
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Conditions for applying for corporate credit cards
Legal analysis: Conditions for applying for corporate credit cards: 1. Be over 18 years old; 2. Have full capacity for civil conduct; 3. Have certain payment ability; 4. Units that are registered domestically in accordance with the law and open basic deposit accounts in domestic financial institutions; 5. Have legal person qualifications; 6. Industrial and commercial enterprises, government agencies, and administrative institutions that can independently bear civil liability to external parties; 7. Have certain payment capabilities.
Legal basis: Article 6 of the "Bank Card Business Management Measures" Credit cards are divided into two categories: credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank. Article 41 The card-issuing bank shall carefully examine the credit card applicant's credit status and determine effective guarantees and guarantee methods based on the applicant's credit status. Card-issuing banks should regularly review the credit status of credit card holders and adjust their credit limits based on changes in credit status.
Is it difficult for a corporate legal person to apply for a credit card?
It is not difficult. On the contrary, it will be much easier for a corporate legal person to apply for a credit card, as long as there are no violations in your company, especially if the company account has normal Not only will it be easier to apply for a transfer, but the limit will also be higher than normal. When you use it regularly, it will be easier to increase the limit.
Credit card application
1. How to apply for a credit card - application location:
1. Each bank branch;
2. Local bank credit card Center staff.
2. How to apply for a credit card - application conditions:
1. Be at least 18 years old;
2. Have stable repayment ability.
3. What to do with credit card - submit proof:
1. ID card;
2. Work certificate or income certificate;
3. Work phone number, home phone number and personal mobile phone number;
4. Tax payment certificate or property and vehicle in your own name;
5. Other bank credit cards, etc.
4. What to do with credit card - process:
1. Prepare application materials.
2. After the materials are ready, you can apply to the bank or make an appointment online.
3. Submit the necessary information and wait for bank review. During the review, the bank will call the applicant to verify the information.
4. After passing the review, the bank will mail the card to the applicant, and obtain the card and submit the information successfully
5. What to do with the credit card - what to pay attention to when applying for credit card guarantee:
1. Fill in the personal guarantee information;
2. The applicant's unit and the guarantor's unit must be stamped with the official seal of the unit;
3. The guarantor must be over 25 years old. , the guarantor must hold a valid personal identity certificate and have a stable source of income;
4. Husbands and wives cannot guarantee each other;
5. In the "valid certificate" section of the application form "Copies of the ID cards of the applicant and the guarantor must be pasted;
6. The applicant and the guarantor must sign at the signature place in the application form in the form of unit guarantee.
6. Precautions for using cards
When using a credit card, you must use the card in a planned way. Don't think that you can overdraft your credit card casually and spend money with it regardless of the consequences. You must know that you have to pay back your credit card on time. Once you max out your credit card and still can't pay it back, you'll be in trouble. Travel, studies, and work will all be affected. However, credit cards usually have an interest-free period of 20-56 days. Generally, if you swipe the card one day after the bill date, you can enjoy the longest interest-free period. I hope everyone can make good use of this time.
If a business owner’s credit card is overdue for more than 2 times, it means that the business owner has personal credit risk
Yes.
If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist).
At the same time, your credit card and malicious overdraft will be enforced.
What are the conditions for corporate credit card application?
Conditions for applying for corporate credit cards: 18 years of age or older; have full capacity for civil conduct; have certain payment ability; be registered domestically in accordance with the law and open a basic deposit account in a domestic financial institution; have legal person qualifications; Industrial and commercial enterprises, government agencies, and administrative institutions that can independently assume civil liability; and have certain payment capabilities.
The corporate credit card limit has a great relationship with the business license registration time, registered capital, private and public turnover, fixed assets and valuation. Corporate credit card limits are generally between RMB 50,000 and RMB 1 million.
1. Credit card
1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
2. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.
2. Credit card repayment methods
1. The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
2. Transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places.
Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
3. The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
That’s it for the introduction of credit cards for business owners.