3. Personal cards are bank cards issued to natural persons, which are divided into main cards and supplementary cards. The main card refers to the bank card that plays a leading role in the use of multiple bank cards under the same account, requiring the holder of the main card to bear all the debts under the supplementary cards; Supplementary card refers to a bank card that is in an auxiliary position in the use of multiple bank cards under the same account. According to the different credit ratings of customers, personal cards can usually be divided into ordinary cards, gold cards, platinum cards and diamond cards.
First, the unit card
1. The business card, also known as the business card, is a bank card issued by a commercial bank, which is mainly used for corporate business. It is applied by organs, organizations, institutions, enterprises and other units to provide their valid certificates and designate their employees as cardholders.
2. The company card number is held by the company's financial personnel, which is used for fund transfer and settlement with personal cards, and some of it is also held by the company's purchasing personnel, which is used for purchasing various items for the company. According to the Measures for the Administration of Bank Card Business and other relevant regulations, the company card can only be used for transfer, and cash cannot be accessed. All the funds of the unit card are transferred from the unit basic account and deposited, and the sales income of the unit is not allowed to be deposited in the unit card account.
Second, personal cards.
1. Personal card is a bank card issued by a commercial bank, applied by a natural person, and provided with a valid identity document of the natural person, with the natural person as the cardholder.
2. Personal cards can be credit cards, quasi-credit cards or debit cards.
3. When a natural person applies for a bank card, it is generally required to be at least 18 years old, that is, to have full capacity for civil conduct; If you apply for a credit card or quasi-credit card, you generally need to have its repayment ability or compensation ability.
Third, the official card.
Business card refers to the credit card held by the staff of the budget unit, which is mainly used for daily business expenses and financial reimbursement. A business card is a kind of bank card.
(1) The official card is an innovative official payment mode.
The official card system is an innovative payment mode in China's financial field. It is a modern financial payment management system based on the treasury single account system, with bank cards as the carrier, and it is the reform and innovation of China's financial system. The official card system requires budget units at all levels to make full use of non-cash payment tools to reduce the use of cash. At the same time, the bank card payment system is used to assist the financial department to monitor the whole process of official micropayment and strengthen the management of financial expenditure.
(2) The business card is an innovative bank card product.
The popularization of official cards is an important milestone in the development of China's bank card industry. In recent years, China's bank card industry has developed rapidly, and bank cards have become the most popular non-cash payment and settlement tools. The promotion and popularization of official cards will certainly increase the variety of bank cards, improve their functions, expand the scope of cardholders and promote the development of national brands of bank cards.
1. The official card has the general functions of a credit card. Business card is a kind of credit card. Therefore, business card has the general function of credit card and can be used for shopping, consumption and cash withdrawal. You can shop, spend or withdraw money first, without saving money in advance; The official card should be used within the prescribed credit limit; Repayment enjoys a certain period of interest-free period, etc.
2. Expenditure settlement scope of the official card. Official cards, as the name implies, are mainly used for the settlement of official expenses. The payment and settlement scope of the official card mainly refers to the official expenses originally settled in cash by the financial budget unit, including travel expenses, conference expenses, entertainment expenses and sporadic purchase expenses below 50,000 yuan. Whether the related expenses originally settled by check in the budget unit are settled by official card can be determined by the unit according to the actual situation. In performing official duties, in principle, it is not allowed to withdraw cash through official cards. If there are special needs, it should be approved by the financial department of the unit in advance, and the expenses such as unapproved withdrawal business and withdrawal fee should be borne by the cardholder. Business cards can also be used for payment and settlement of personal shopping and consumption, but financial reimbursement procedures are not allowed, and the unit does not assume all responsibilities caused by private payment and settlement.
3. Credit limit of official card. The budget unit shall negotiate with the issuing bank according to the bank card management regulations and business needs. In principle, the credit limit of each official card shall not exceed 50,000 yuan and not less than 20,000 yuan, the credit consumption of the same cardholder shall not exceed 20,000 yuan, and the monthly overdraft balance shall not exceed 50,000 yuan. Under special circumstances, when the credit limit of the official card cannot meet the needs of official payment, the cardholder may apply to the issuing bank for a temporary increase of the credit limit in advance through the financial department of the unit, and the specific matters such as the increased credit limit and service period shall be implemented in accordance with the relevant regulations of the issuing bank.
4. Official Card Debt Commitment Agreement. Business card can choose corporate debt or personal debt as needed. The unit debt must be repaid by the unit, and the personal debt can be repaid by the unit or by the individual.
5. Payment and repayment process of corporate cards. For payment of official cards, payment and settlement shall be made in advance within the credit limit, and financial reimbursement vouchers such as invoices and related bank card consumption vouchers shall be obtained. Where the financial department of the cardholder's unit requires prior approval of official expenses, the cardholder shall go through the relevant approval procedures in advance as required, and shall submit an account to the financial department of the unit within the interest-free repayment period specified by the issuing bank. After the financial audit of the unit is correct, the reimbursement will be directly transferred to the official card account.