2. Differences in the identity of cardholders. The cardholder of the official card is the staff of the budget unit. The unit must confirm his identity when applying for a card, while ordinary credit cards do not need to confirm his identity when applying.
3. The difference in preferences is that business cards can be used for expenses and reimbursement of official activities. Business card is essentially a kind of credit card, so it has both the function of business consumption and personal consumption. As a personal consumption credit card, it has the same functions as ordinary credit cards, and can also enjoy the benefits brought by the preferential activities of UnionPay standard cards in more than 40 countries and regions around the world/KLOC-0. Ordinary credit cards are mainly used for consumption.
4. Difference of credit limit: the credit limit of official cards is high, and the credit limit of banks to civil servants' credit cards is generally high, ranging from 1 1,000 yuan to 50,000 yuan or even 1 1,000 yuan. The credit card determines the credit limit according to the applicant's own conditions.
5. The difference between annual fee and charge: the official card is free of annual fee for life, and the overpaid part is free of handling fee when withdrawing money in the city or province, and some special official cards can also enjoy free handling fee for withdrawing money in different places; The credit card is charged at 0. 1%-0.5% of the cash withdrawal amount.
6. Enjoy the different courtesy of the gold card. Business card has many value-added services and enjoys the distinguished courtesy of gold card. Many banks directly regard the official card as a gold card, giving cardholders the distinguished courtesy of a gold card. Ordinary credit card Ordinary credit card can't enjoy gold card treatment.
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A business card is a credit card, which is a kind of credit card. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Credit card ordinary card is just a credit card issued by major banks, and it has no special function, but is suitable for the daily consumption of credit cards. The official card holder is a staff member of the budget unit, and the identity must be confirmed by the unit when handling the card; Ordinary credit cards do not need to be identified when applying. Business cards can be used for reimbursement of expenses and official activities, while ordinary credit cards are mainly used for consumption.