Business cards are used in the same way as credit cards. Business cards are mainly used for daily business expenses and financial reimbursement. The matters needing attention of the official card are as follows:

1. Personal consumption of the official card must be swiped on the POS machine, and it cannot be withdrawn directly.

2. Personal consumption of official cards cannot be reimbursed, and it is illegal to publish private accounts.

3. After personal consumption, the official card must be repaid by the individual, and the cardholder can repay the bank by cash payment or transfer.

4. After personal consumption, the official card cannot be repaid according to the minimum repayment amount, and it must be repaid in full, otherwise the official card will be overdue.

5. The legal subject of the official card is the cardholder himself. Once the official card is overdue, it will affect the cardholder's credit card, and the expenses such as cyclic interest, liquidated damages, and over-limit fees caused by overdue will be borne by the cardholder himself.

to sum up, the business card is a credit card for both public and private use, which can be used for personal consumption as well as business expenses. However, personal consumption cannot be reimbursed by the company, and it must be repaid by the cardholder himself to the bank, otherwise it will affect the cardholder's own credit.

difference between business card and ordinary credit card

the main difference between business card and ordinary credit card is that the cardholder of business card is a staff member of the budget unit, and his identity must be confirmed by the unit when applying for a card; Second, the official card is mainly used for official activities; Third, the official card enjoys preferential services such as free annual fee from the bank, free card replacement at maturity, free handling fee for cash withdrawal from the local bank, and free provision of short messages.

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.

the business card has the following characteristics: first consume and then repay, enjoy an interest-free payment period (up to 56 days), and have a minimum repayment amount, and customers can repay by installments independently in case of overdraft.