Enterprise credit card processing conditions: at least 18 years old; Having full capacity for civil conduct; Have a certain ability to pay; Units legally registered in China and opening basic account in domestic financial institutions; Having the qualification of legal person; Industrial and commercial enterprises, government organizations and administrative institutions that can independently bear civil liability abroad; And have a certain ability to pay.
The credit card limit of an enterprise is closely related to the registration time of business license, registered capital, private-to-public flow, fixed assets and valuation. The credit card limit of an enterprise is generally 50,000-1 10,000.
I. Credit card
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized 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 limits.
2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Second, the credit card repayment method
1. In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
3. Online repayment Common online platforms in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
How to apply for a credit card?
The first credit card application method is: the applicant directly applies at the bank counter. If you apply in a bank, you must fill in the information directly. There are bank staff at the scene who can guide me to fill in the relevant information, which can avoid the problem that we are rejected because of the wrong information. At the same time, more qualification certificates and wealth certificates can be issued, which is conducive to improving our final credit card limit. However, it will be relatively slow to review the credit card at the bank counter, because you have to report the information of the branch to the credit card center, and then the card center will review your information. Another way is to apply for a credit card online: now we can apply for a credit card in official website, but this way of applying for a card online is to fill in the information ourselves, which is more likely to lead to the problem of filling in the wrong information, which will lead to rejection. But online processing is mainly convenient without going out, as long as a mobile phone or computer can handle it. There is another way to handle credit cards: through the bank's credit card salesman. We can often see these bankers selling credit cards in shopping malls or other stores. This way of handling cards is to receive awards, but because they are all business personnel, the main purpose is to obtain performance. Therefore, we should carefully weigh some things that guarantee a high amount of credit and ensure card issuance, and don't believe it too much. The process of handling a credit card is 1. Prepare application materials. 2. After the materials are ready, you can apply to the bank or make an appointment online. 3. Then wait for the approval of the bank. During the approval process, the bank will call the applicant to verify the information. 4. After the approval, the bank will mail the card to the applicant, and get the card about 3 weeks after submitting the information successfully. "Legal basis: As a civil act, the credit card business has been stipulated in principle by the General Principles of Civil Law, Contract Law, Criminal Law, China People's Bank Law, Commercial Bank Law and other laws. In Chapter 5 of the Law of China People's Bank, the People's Bank of China examines and approves the establishment, alteration, termination and business scope of financial institutions according to regulations. There are 65,438+03 items in the business scope of Article 3 of the Commercial Bank Law, and the credit school business belongs to 65,438+03 other businesses approved by the People's Bank of China. Violation of laws and regulations is invalid, and corresponding criminal responsibility should be borne.
Can enterprises handle credit cards?
Of course. Most banks have credit cards specifically for companies, and the types of credit cards also include corporate business cards and personal cards. Only business cards can be handled through the company, otherwise they can only be handled in the name of individuals.
Extended data:
CorporateCard, called corporate card in some places, is a kind of credit card designed for official use. The company applied to the bank to provide employees with the cost of swiping cards during business trips. After the employee signs the bill with the company card, the bill is paid directly by the company, which can save the traditional procedure of employees submitting accounts and asking for money. The accounting department of the company can make reconciliation according to the monthly consumption list compiled by the bank, which saves a lot of trouble or further strives for quantity discount.
Business cards can also be equated with corporate credit cards. According to the company's credit, it is set up in the name of the company to pay various financial expenses such as employees' business trips, company purchases and business entertainment. And the expenses are concentrated in one card, and then the corporate finance will repay them in a unified way, so as to avoid personal invoicing, reduce the cost of corporate reserve funds and realize the transparency of corporate financial management.
Business card holders can only use it within the scope of accepting merchants allowed by their business cards, and accepting merchants only accept their authorized business cards. When a business card is consumed, a dedicated terminal is used for offline transactions, and no password is required. Shangyoushi card is used for consumption, and merchants no longer provide invoices, and the cashier slip and POS printed documents issued by merchants are used as consumption credentials; This card cannot be lost, cashed or overdrawn; If the amount in the card is insufficient, you can pay the balance by cash or credit card; The use of business cards shall comply with the regulations of the merchants, and the merchants have the right to explain whether the credit card consumption participates in the discount promotion activities of the merchants. The management center and the accepting merchants can refuse to accept the business card under the following circumstances: suspected fake card, stolen card, seriously damaged card surface, faulty card and expired card; Accept the ultimate failure, impermanent acceptance; Information system failure, unable to support the acceptance of business cards and other emergencies. Business recharge card Business recharge card can pay all kinds of public utilities fees of Shanghai residents' families online, such as water and electricity fees, mobile phones, telephones, broadband Internet access fees, cable TV fees, etc.
E-commerce payment: online shopping can be made at the merchants in the online mall designated by the business recharge card.
Call the management center to make an appointment and confirm the number of cards purchased, the payment method, the name and contact number of the customer agent.
Customers can also go directly to the management center for card purchase and recharge. You can get the card directly if you pay in cash, and it takes 3 working days for you to get the card if you pay by check.
The company will notify the customer to come to the company to pick up the card after confirming the receipt of the card payment (check or transfer payment).
The customer will receive the card and purchase the card invoice from the company with the check receipt or transfer voucher and the valid certificate of the handler.
For customers who purchase more than a certain amount of cards to provide card delivery service, the customer must sign the receipt of the card and affix the official seal or special financial seal.
How to apply for a credit card when the company is not in the local area?
If the company is not local, you can apply for a credit card as long as you are a regular employee and can submit proof of work and income. As long as you verify the information, you can verify your own information; When you apply for a credit card, you also need to fill in information such as your permanent address and contact information.
1. Can foreigners apply for a credit card at a local bank?
Foreigners can apply for a credit card at a local bank. There are no geographical restrictions on handling credit cards. As long as the personal information you provide is true and effective, you can handle it. Credit card is a kind of credit card issued nationwide, and there is no household registration restriction, so there is no problem in different places. As long as your personal credit and assets are recognized, you can apply for a credit card anywhere. However, if you apply for a credit card outside your domicile or place of work, the bank has higher requirements for the applicant's credibility. Applying for a credit card generally requires an ID card, proof of education, proof of income and important real estate. As long as the materials you provide are true and can be recognized by banks, most banks can handle them.
Second, how to apply for a credit card without a work unit?
How to apply for a credit card in a non-working unit: if the user is an individual merchant, he can provide a personal business license, a running income statement and a tax bill for the last three months; Users can apply for some assets, such as houses, cars, time deposits and other property certificates; Students who have just graduated without a work unit can ask their parents to get you a supplementary card.
Credit cards can be processed in 3 days at the earliest. Generally, online credit card processing is completed within 5 working days, and new users need to go to the bank outlets for face-to-face signing, and the audit is completed within 2 working days after face-to-face signing. For some cardholders who have applied for a credit card and submitted complete information, the bank's approval will be much faster. Generally, the card will be issued in about 3 days, so how long the credit card can be used depends on the applicant's personal situation and the approval speed of the issuing bank.
Can I apply for a credit card in the name of the company? What is the procedure?
Yes, you can. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. However, you cannot apply for personal credit card products in the name of the company, but you need to fill in the name of your current work unit when applying for a credit card, and submit a work certificate or income certificate stamped with the official seal issued by your work unit.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Extended data:
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.
Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.
Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.
The funds in the personal card account are limited to cash deposits held by individuals or transfer deposits with their wages and other legitimate income belonging to individuals. It is strictly forbidden to transfer unit funds into personal card accounts.
Article 36 Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.