Business card is a type of credit card. UnionPay business card is a UnionPay card specially issued by China UnionPay for the daily official expenses of institutions, enterprises and institutions. It is mainly used for travel loans, settlements, travel reservations, etc. , to meet the accounting management needs of institutions, enterprises and institutions. Next, the editor of Jintou will introduce the difference between business cards and credit cards

1. Business cards are loan cards and a type of credit card. Loan cards It is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend within the credit limit and then repay it. Ordinary credit cards are just credit cards issued by major banks. They have no special functions and are just suitable for daily consumption of credit cards. .

2. The holder of a business card is an employee of a budget company. Ordinary credit cards whose identity must be confirmed by the company when applying for the card do not need to be confirmed when applying.

3. Business Card It can be used for official expenses and settlements. General credit cards are mainly used for consumption. A business card is essentially a credit card, and official consumption also has the function of personal consumption. When used as a personal consumption credit card, it has the same functions as an ordinary credit card. It is used in more than 140 countries and regions in the world. You can enjoy the preferential activities of UnionPay standard cards.

4. The credit limit of official cards is high. The credit limits of various banks for civil servants are generally higher, with a minimum of 10,000 yuan and a maximum of 50,000 yuan or even 100,000 yuan. Credit card It varies depending on the applicant's own conditions.

5. Business cards are exempt from annual salary for life. Overpayment is exempted from handling fees within the municipal or provincial jurisdiction. Other credit cards are levied at 0.1-0.5 of the cash amount. Some special Business cards can also be exempted from off-site withdrawal fees.

6. Business cards have many value-added services and enjoy the exclusive benefits of gold cards. General credit cards and ordinary cards cannot enjoy gold card benefits. Many banks directly regard business cards as gold cards. , giving cardholders gold card exclusive privileges.

7. The business card is a UnionPay standard card with a unified business card BIN number field code.

8. The benefits of the business card expire Free card replacement, free mail, free cash interest and other preferential services.