Conditions for applying for a business card:

1. The applicant must be a staff member of the national administration, public institutions, state-owned enterprises, etc.;

2. Stable annual income;

3. Good personal credit, no overdue loan or credit card records;

4. A recommendation form filled out by the employer.

Business cards, like credit cards, have the function of overdraft consumption.

According to the bank's regulations on business cards, business cards can be used for personal consumption, but personal consumption cannot be reimbursed. Usually, the official card is the abbreviation of the central fiscal budget official card. It is a credit card mainly used for financial reimbursement of daily official expenses and can be used for private consumption. Expenses that can be insured by business cards include travel expenses, entertainment expenses, conference fees, etc., and cardholders can reimburse them directly.

Official card application process:

1. Applicants for official cards first need to bring their personal valid ID card and work certificate and other materials to the corresponding bank branch to apply. Generally, they need to fill in Business card application form;

2. The applicant must submit personal information for review. After passing the review, the applicant's credit limit will be determined;

3. After applying for the card, you can Received.

Legal basis: Article 2 of the "Interim Measures for the Management of Official Cards of Central Budget Units"

The term "official cards" as mentioned in these Measures refers to those held by staff of central budget units and are mainly used for A credit card used for daily official expenses and financial reimbursement business.

Article 4

The issuing bank of the official card (hereinafter referred to as the issuing bank) refers to the agent bank that handles the centralized payment business of the treasury. The budget unit shall, within the scope of the determined agent bank, Select the issuing bank of your unit’s business card.