However, unlike other credit cards of CCB, the official card is easier to increase the quota than the general standard card, and even can directly upgrade the gold card.
The maximum amount of official card gold card can reach 30 thousand yuan. The official card of China Construction Bank is designed for the staff of financial budget units, which is mainly used for daily official expenses and financial reimbursement, taking into account private consumption.
The so-called official card refers to the credit card held by the staff of the financial budget unit, which is mainly used for daily official expenses and financial reimbursement. The scope of funds for business card consumption mainly includes travel expenses, conference expenses, entertainment expenses and sporadic purchase expenses. 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.
trait
Common attributes such as credit consumption.
That is, business cards, like other credit cards, can be paid and settled conveniently and quickly by cardholders, and form relevant consumption information. In this sense, the official card belongs to the category of bank card and is a modern payment and settlement tool.
Have financial management attributes.
That is, the official card is not a bank card in the general sense, but a new financial management tool and means that combines the relevant norms of financial management with the settlement method of bank cards. Business cards have special management regulations different from ordinary bank cards in terms of card type selection, quota setting, organization bid, settlement reimbursement, payment and settlement information management, etc. Therefore, business cards belong to the category of financial management. These two attributes of the official card are inseparable, and it cannot be simply understood that the official card is a settlement tool instead of cash payment.
As a new way of official settlement, the operation of official card can be summarized as "bank credit line, personal card payment, unit reimbursement and repayment, financial monitoring". In the future, employees who go out for business consumption can pay by credit card instead of borrowing cash in advance, and get invoices and credit card vouchers (that is, bank receipts). For example, employees who go out for business consumption can pay by credit card instead of borrowing cash in advance, and get invoices and credit card vouchers. When they come back from a business trip, they can apply for reimbursement from the company's finance. After the company's financial review is correct, the reimbursement will be directly transferred to the employee's business card account.