The differences between CCB's credit card and savings card are as follows:

1. Different characteristics

After obtaining the credit line, credit card customers will decide the use method and performance time of the credit line by themselves according to the provisions of the agreement, without reporting it to the credit bank for approval one by one, thus avoiding the time for approval of a single credit line. With the consent of the bank, the quotas of individual products can be adjusted and cross-exchanged, which improves the utilization rate of quotas.

and the savings card can be recycled, so the formulation of enterprise financial plan becomes more clear and organized, and there is no need to arrange funds for regular business.

2. Different customers

Credit card customers must be large and medium-sized manufacturing enterprises, import and export enterprises, commercial enterprises or joint ventures with good operating and financial conditions, and their industries have good development prospects and competitive advantages in the industry;

and the customer of savings card must meet the basic conditions and requirements of the general principles of loans and the credit management policy of the commercial bank on the borrower;

3. Different handling procedures

Basic data and information of credit card customers need to be collected, including the request for approval of credit line, business license for handling annual inspection procedures, loan certificate and financial statements for the last three years.

the savings card collects the guarantor's business license, financial statements in the last three years, the list of mortgaged (pledged) things, the value evaluation documents, the certificate of property ownership, and the verification report of the reporting unit on mortgaged (pledged) things.

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Savings Card