1. Different in nature:
1. The nature of credit card: the certificate for commercial banks to inquire about customers' credit information.
all corporate enterprises, unincorporated enterprises, institutions as legal persons and other borrowers who need to apply for loans from various financial institutions, and handle credit business such as acceptance bills, letters of credit, credit lines, guarantees, etc., must apply for loan cards from the city center branches or county branches of the People's Bank of China where their business licenses (or other valid certificates) are registered.
2. The nature of credit card: a non-cash transaction payment method, which is a simple credit service.
a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
Second, the application methods are different
1. Credit card:
Personal loans are divided into mortgage loans and unsecured loans. The loan conditions and the bank's standard requirements for borrowers:
Having a Chinese resident ID card or household registration certificate, at least 18 years old;
people who are not at large in prison have no bad hobbies;
Good credit, certain economic strength and ability to repay principal and interest;
The borrower must be a natural person with full capacity for civil conduct, and must ensure that the loan is used for legal business;
It has a stable occupation and income, high integrity, clear property rights, no malicious default on bank loans and no triangular debts.
attach documents, valid ID card, passport, marriage certificate (unmarried certificate or single certificate is required), financial product statement or public utility bill or household register for the last three months, personal tax payment certificate or bank statement or bank transaction flow or bank passbook for the last three months.
2. Credit card:
In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have certain direct financial resources can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card.
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 fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.
the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.
3. Different evaluation methods
1. The main evaluation methods of credit cards are comprehensive evaluation method and lowest evaluation price method.
2. The credit card evaluation method is that all members of the negotiating team concentrate on negotiating with a single supplier. And make a second round of quotation and a final quotation within the specified time, and then the purchaser selects the supplier who best meets the procurement needs, has relatively equal quality and service, and has the lowest quotation as the supplier, and informs all the suppliers who participated in the negotiation of the final result.