北师香港浸会大学
公务信用卡管理办法（暂行）
Rules of Business Credit Card (provisional)
一、卡片介绍 Introduction
1. 推行公务信用卡，是为了帮助教职员缓解因工作需要垫付费用的资金压力。每张公务信用卡的初始信用额度通常为人民币5万元,以发卡行审批结果为准。
The business credit card is introduced to facilitate the staff members handling the advance payment at work.
The default credit limit of each business credit card is RMB50000, subject to the approval of the issuing bank.
2. 公务信用卡的优点在于:(1)信用额度不会影响持卡人申请办理其他信用卡的额度;(2)外籍教职员也可申请办理;(3)如初始信用额度不满足工作需要，教职员可通过财务处向发卡行提出调增额度申请，但最高信用额度通常不超过10万元；（4）信用卡的积分归个人享有；（5）免收年费。
The advantages of the business credit card: 1) the credit limit does not affect the cardholder's application for
other credit cards, 2) the foreign staff members are also eligible to apply, 3) staff members may apply for an increment of limit through the Finance Office, the maximum credit limit is RMB100000, 4) reward points are
owned by the cardholder, 5) no annual fee charges.
3. 教职工如需办理公务信用卡或调整公务卡额度，请登陆BNBU Portal的Services Center，完成财务处的“BNBU公务信用卡申请”。
Staff member who needs a business credit card or adjusting the credit limit, please login the Services
Center of the Portal and complete the Application for BNBU Business Credit Card.
4. 财务处可根据需要，登录公务信用卡管理系统，根据持卡人的姓名、卡号、交易日期、消费金额等信息，查询核对消费的真实性。
The Finance Office reserves the right to verify the authenticity of the transaction claimed by the cardholder by accessing the e-banking system.
二、用卡规则 Rules of Card Usage
1. 公务卡信用卡应主要用于支付因公发生的合理支出，学校不承担因私费用及引致的一切责任。有事前审批要求的公务支出，持卡人应按要求履行相关审批手续。
The business credit card should be mainly used for paying expenses incurred at work, and the cardholder should be responsible for personal expenses or any associated liabilities. For specific expense requires pre-approval, cardholders should comply with relevant procedures.
2. 公务信用卡的账单日为每月1日，还款日为次月19日。
The statement billing date of the business card is the 1ST of each month, and the repayment date is the 19TH of the following month.
3. 持卡人在执行公务中不允许通过公务信用卡提取现金。公务信用卡未经批准的透支提现业务，提现手续费及利息等费用由持卡人承担。
Cash withdrawing is not allowed, and the cardholder shall be held accountable for any interest or associated
liabilities.
4. 持卡人应妥善保管公务卡。如遗失，持卡人应自行按照发卡行的指引及时办理挂失或补办业务。
The cardholder shall keep the business card properly. In the event of lost or fraud, cardholders should follow
the reporting and reissuing procedures promptly in accordance with the guidance of the issuing bank.
5. 如因工作岗位变化、离职及退休等情况不再需要使用公务卡，持卡人应及时还清账单，并向发卡行办理注销信用卡手续。如果持卡人离职二个月后仍未注销公务信用卡的，财务处有权自行注销。
In the circumstances of job rotation, resignation or retirement cardholders should promptly repay the credit card and submit a cancellation request to the issuing bank. The Finance Office may initiate card cancellation if
the cardholder fails to cancel the credit card in two months.
三、报销规则 Rules of Reimbursement
1. 持卡人应在发卡行规定的免息还款期内还款，否则会产生逾期费用，逾期费用由持卡人承担。持卡人应预留充分时间办理报销手续。
Cardholders should repay the credit card within the grace period prescribed by the issuing bank, otherwise there will be overdue interest or fee which should be borne by the cardholders. Cardholders should reserve
sufficient time for reimbursement procedures.
2. 财务处收到报销单后会尽快处理，不合理的费用不予报销。对于未通过审核的消费，持卡人需自行负责偿还。
The Finance Office will process the reimbursement application as soon as possible. For expenses that
disapproved, the cardholder shall be responsible for repayment.
3. 报销款均统一支付到教职工的招商银行借记卡，由持卡人在收到款后自行转账还款。
All the reimbursements will be remitted to the staff member’s China Merchants Bank Debit Card.
4. 持卡人已经办理报销手续并收到报销款后，因交易变化导致有款项原路退回到公务信用卡的，持卡人应及时将相应款项转账到学校账户，并在转账附言注明原因。
In case of any money refund due to changes in transactions after settlement of the reimbursement, cardholders should promptly remit the corresponding amount to the college’s account with explanation notes.