the function of credit card is to enhance the credit of the cardholder in the bank; You can spend by card, which is convenient for people's lives; You can enjoy discounts at the special merchants of the bank; And overdraft consumption without deposit; And can provide daily business expenses and financial reimbursement services.

Legal basis

Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The credit card mentioned in these Measures refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

article 15

credit cards issued by commercial banks are divided into personal cards and corporate cards according to different issuers. Among them, company cards are divided into business travel cards and business procurement cards according to their uses.

business travel card refers to a credit card that a commercial bank signs a contract with a government department, a legal person institution or other organizations to establish a reimbursement relationship for travel expenses and provide daily business expenses and financial reimbursement services for its staff.

a business procurement card refers to a credit card that a commercial bank signs a contract with a government department, a legal person institution or other organizations to establish a reimbursement relationship for procurement expenses and provide them with services related to procurement expenses such as office supplies and office matters.

Article 16

The term "students" as mentioned in these Measures refers to students who study full-time in educational institutions.