Both official cards and credit cards are credit cards, and there is generally no difference between them, but the official card is more "focused". Business cards have the same attributes as general bank cards such as credit and consumption, and at the same time have unique attributes of fiscal and financial management. They can combine the relevant requirements of fiscal and financial management with the unique advantages of bank cards.

The operation can be summarized as "bank credit limit, personal card payment, unit reimbursement and repayment, and financial implementation monitoring." In the future, when unit staff go out for official consumption, they can no longer borrow cash in advance. Instead, they can pay by swiping their official cards first and obtain invoices and card swiping vouchers.