First, the only cardholders of official cards are government agencies, institutions, enterprises and other organizations, not individuals. Secondly, the amount of money issued on official cards is usually customized by banks in accordance with the needs of government agencies, institutions, enterprises and other organizations, while the amount of money issued on credit cards is usually decided by the individuals themselves. In addition, the scope of use of official cards is generally restricted and can only be used for the procurement and settlement of government agencies, institutions, enterprises and other organizations, while credit cards can be used for any consumption occasions, and can be used for shopping, travel, dining and so on.
The official card is very powerful, it can not only be used for government agencies, institutions, enterprises and other organizations of the procurement settlement, but also can be used for expense reimbursement, financial accounting, performance appraisal, financial statistics, etc.. Another advantage of the official card is its security, which is higher than that of credit cards and can effectively prevent fraud.
In addition, the official card can also realize inter-bank transfer, that is, the transfer of funds between different banks, which can effectively improve the efficiency of the use of funds in government agencies, institutions, enterprises and other institutions.
The shortcomings of the official card are also obvious, the biggest of which is that it is limited to the amount of the card issued, which can only be customized in accordance with the needs of government agencies, institutions, enterprises and other organizations, and the scope of use of the card is also very limited, which can only be used for government agencies, institutions, enterprises and other organizations for procurement settlements, and can not be used for other purposes.
Overall, the official card is a card designed to provide financial payment services for government agencies, institutions, enterprises and other organizations, it is very powerful, can be used for government agencies, institutions, enterprises and other organizations of the procurement settlement, reimbursement of expenses, financial accounting, performance appraisal, financial statistics, etc., but there are certain drawbacks, such as the amount of the card issued by the limited, the use of the scope of restricted, and so on.