What is the difference between a business card and a credit card?

1. The application conditions are different: the cardholder of the official card must be a staff member of the budget unit, and the identity of the prospective cardholder must be confirmed by the unit when applying for the card. But if it is an ordinary credit card, it refers to a bank card in which the card-issuing bank will grant the cardholder a certain credit limit, and the cardholder can make daily purchases within the credit limit and repay when due.

2. Enjoy different services: Business cards enjoy services such as: no annual fee, free card replacement upon expiration, no handling fee for local bank deposits and cash withdrawals, and free SMS and other preferential services. Ordinary credit cards generally enjoy an interest-free payment period, which can be up to 56 days, and there is also a minimum repayment limit. If the cardholder is overdrafted, he or she can repay the loan in installments.

3. Different usage scenarios: The main usage scenarios of business cards are credit cards for daily official expenses and financial reimbursement business. Common credit card usage scenarios include daily life, shopping, entertainment, etc.

Business card is a type of credit card. Bank cards are divided into credit cards and debit cards, and credit cards are divided into credit cards and quasi-credit cards. The business card is a credit card and a type of credit card. The UnionPay business card is a UnionPay card specially launched by China UnionPay for the daily business expenses of institutions and enterprises. It is mainly used for travel debits, reimbursements, travel reservations, etc. , to meet the needs of accounting management of institutions or enterprises and institutions.

Is it illegal to cash out credit cards for civil servants?

Cashing out is suspected of being illegal. If the overdraft is malicious, exceeds the prescribed limit or overdrafts within the prescribed period, and the card-issuing bank still refuses to return it after collection, and the amount is relatively large, It constitutes a crime.

Legal basis:

Article 7 of the "Criminal Law of the People's Republic of China" violates national regulations and uses point-of-sale terminal machines (POS machines) and other methods to fabricate transactions, Direct cash payments to credit card holders through false pricing, cash returns, etc., and if the circumstances are serious, they shall be convicted and punished for the crime of illegal business in accordance with the provisions of Article 225 of the Criminal Law.

Does a civil servant need permission from his employer to apply for a credit card?

There is no restriction on how civil servants can apply for a credit card. No unit consent is required. Because civil servants have more stable careers and good credit standing, it is easier for them to apply for credit cards. Banks are also more willing to issue credit cards to civil servants. When civil servants apply for credit cards, the higher their administrative level or position, the higher their credit limit.

But generally speaking, not having a job means having no source of income and no ability to repay, so it is more difficult to apply for a credit card.

1. There are two main application conditions for credit cards: 1. Age requirement: 18-60 years old. Have a stable job and source of income.

2. Materials and documents required for application:

1. Domestic residents only need to provide: a completed and signed application form, identity document, and residence certificate document , Income certification documents 2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner residence permit (the reason for residence must be employment) or employment certificate for foreigners/Hong Kong, Macao and Taiwan 3. If you are a private owner, in addition to the above information Also required: A copy of the industrial and commercial business license showing the applicant’s name, company name and date of commencement of operations. So you can only try to submit an application. Generally, if you don’t have a job, you are more likely to be rejected. However, if your repayment ability and personal asset status are good, and you have a certain amount of deposits in the bank, and your personal property is in good condition, you can also apply. Credit card.

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined 20,000 yuan If the amount is extremely large or there are other serious circumstances, the fine shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, A fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using a voided credit card (3) Pretending to use other people’s credit cards; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Is a civil service card the same as a credit card?

The differences are mainly reflected in: 1. Functional differences. The civil service card is a credit card, a type of credit card, and a credit card. It is a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. Ordinary credit cards are just credit cards issued by major banks. They have no special functions and are only suitable for daily credit card consumption.

2. The difference in the identity of the cardholder. The cardholder of a business card is a staff member of a budget unit. When applying for a card, his or her identity must be confirmed by the unit, while ordinary credit cards do not need to confirm their identity when applying. .

3. The difference in discounts is that business cards can be used for official expenses and reimbursements. Business cards are essentially credit cards, so they can be used for business consumption as well as personal consumption. When used as a personal consumption credit card, it has the same functions as an ordinary credit card, and you can also enjoy the benefits brought by UnionPay standard card promotions in more than 140 countries and regions around the world. Generally, ordinary credit cards are mainly used for consumption.

4. The difference in credit limit. The credit limit of official credit cards is high. The credit limit of credit cards given by various banks to civil servants is generally higher, with a minimum of 10,000 yuan and a maximum of 50,000 yuan or even 100,000 yuan. Credit cards, on the other hand, determine the credit limit based on the applicant's own conditions.

5. The difference between annual fees and charges. Business cards are free of annual fees for life. Overpayment can be withdrawn within the municipal or provincial jurisdiction without handling fees. Some special business cards can also enjoy free withdrawals from other places. Handling fee; and credit card charges are 0.1-0.5 of the cash withdrawal amount.

6. The difference in enjoying gold card privileges is that business cards have many value-added services and enjoy the exclusive privileges of gold cards. However, many banks directly regard business cards as gold cards and grant cardholders the exclusive privileges of gold cards; Ordinary credit cards cannot enjoy gold card benefits.

:

1. A business card is a credit card and a type of credit card. A credit card means that the issuing bank gives the cardholder a certain credit limit. The cardholder can A credit card where you spend money within your credit limit first and pay back later. Ordinary credit cards are just credit cards issued by major banks. They have no special functions and are only suitable for daily credit card consumption. The cardholder of the official credit card is a staff member of the budget unit, and his/her identity must be confirmed by the unit when applying for the card; while ordinary credit cards do not need to confirm their identity when applying. Business cards can be used for official activity expenses and reimbursements, while ordinary credit cards are mainly used for consumption.

Will civil servants who have serious credit card debts be fired from their jobs?

Civil servants who have serious credit card debts will not be dismissed from their jobs; however, if their credit card debts are malicious overdrafts, they will be subject to criminal penalties. , will be dismissed from public office.

According to Article 17 of the "Regulations on Punishment of Civil Servants of Administrative Agencies", civil servants of administrative agencies who have violated the law and have been sentenced to punishment, dismissed, dismissed or resigned from leadership positions before the administrative agency makes a decision on punishment shall be punished in accordance with the law. If sanctions should be imposed, the administrative organs shall impose sanctions based on the facts of the violation. Civil servants in administrative agencies who are sentenced to criminal penalties in accordance with the law shall be dismissed.

Extended information:

Article 196 of the "Criminal Law of the People's Republic of China" and any of the following circumstances: if the amount is relatively large, credit card activities shall be punished If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 50,000 yuan. A fine of not more than 100,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than ten years or, in addition, a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Use Forged credit cards, or using credit cards fraudulently obtained with false identification;

(2) Using invalid credit cards;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

China Government Website - Regulations on Punishment of Civil Servants of Administrative Agencies

Civil servants applying for credit cards for the first time

Civil servants can apply for credit cards. Since this is the first time for a civil servant to apply for a credit card, he can choose the type of credit card he wants to apply for at any bank that can handle credit cards.

For civil servants, they are high-quality credit card users because they have stable jobs and stable income, and they also have the capacity for civil conduct. Therefore, as long as the applicant has good credit and the credit card application is approved, The probability is relatively high.

There are several ways to apply for a credit card. The following is a detailed introduction using the China Merchants Bank credit card application as an example. ①Apply online. The specific method is as follows: First download and install the China Merchants Bank APP on your mobile phone (China Merchants Bank Credit Card APP) The name is Palm Life), then open the China Merchants Bank APP, click on Finance below to enter the credit card page, click on Card Application, you can enter the credit application page, there will be many types of China Merchants Bank credit cards, such as Hatsune Miku Card, Angry Little Card Bird, Constellation Guardian Credit Card, Game Co-branded Credit Card, JD Little White Card, Toutiao and other credit card types, you can choose the card type you want, click to enter the Apply Now page, click Apply Now, and then fill in your information in this interface as required That’s it (I applied for a Jingdong Little White Card, the limit is OK, the limit is scored based on personal credit and salary), fill in all the information, and then wait for the bank staff to contact you. Okay, they will check the information with you, you just need to answer truthfully, and then you can wait for the card to be released. ②Go directly to a bank branch to apply for a credit card. After arriving at the bank, you can find the lobby manager and tell him that you want to apply for a credit card. The lobby manager will tell you how to apply for a credit card. If you go to a bank branch to apply for a credit card, you can call the manual service in advance. , ask if you need to bring other documents besides your ID card. Bring all the documents to avoid repeated hassles. ③The bank business manager will come to apply. When applying, you need to provide your ID card (it cannot be an expired ID card). You can confirm with the business manager in advance what other materials are needed. This will avoid trouble and improve the efficiency of card processing. possibility.

Special attention needs to be paid. After using a credit card, you must repay it in a timely and normal manner. If it is overdue, penalty interest will be incurred and it will also have an impact on your own credit report.

This is the end of the introduction about civil servant credit cards and whether civil servant credit cards can be paid in installments. Did you find the information you need?