[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-200932-105":53,"doc-detail-200932-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","policy-and-procedures-for-credit-card-use-credit-card-policy-guidelines","Policy and Procedures for Credit Card Use - Credit Card Policy Guidelines","","Policy and Procedures for Credit Card Use outlines how public housing authorities (PHAs) can facilitate purchases for PHA operations, lodging, and travel while controlling fraud and misuse risks. Guidance emphasizes that credit cards are a payment method, not a procurement method, and must align with the PHA Procurement Policy and HUD requirements. The document covers authorized cardholders, credit limits, restrictions on routine purchases, prohibitions on office equipment/computers, permitted card types, limits on rewards or cash back, and rules addressing reimbursement when employees use personal credit cards.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":51,"@type":70,"position":76},"https://docshare.wps.com/template/general/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/policy-and-procedures-for-credit-card-use-credit-card-policy-guidelines/200932/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/policy-and-procedures-for-credit-card-use-credit-card-policy-guidelines/200932.png","ImageObject",442,249,{"name":88,"@type":89},"Aurelia","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/vnd.openxmlformats-officedocument.wordprocessingml.document","2026-09-26","2026-09-04",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",6,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"Why do PHAs need strong controls over credit card use?","Question",{"text":109,"@type":110},"Credit card abuse is a common fraud method and can be used to bypass procurement rules or pay for personal expenses. Strong policies and controls protect the PHA’s reputation and reduce negative press.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"How should credit card purchases relate to procurement rules?",{"text":114,"@type":110},"Credit cards are a payment method, not a procurement method. Purchases must still conform to the PHA Procurement Policy and required HUD safeguards for intended use, merchant selection, purchase tracking, and payment/settlement procedures.",{"name":116,"@type":107,"acceptedAnswer":117},"What items are restricted or prohibited when using a PHA credit card?",{"text":118,"@type":110},"Routine maintenance or office supply and service purchases should generally be made through purchase orders, with credit card use only for exceptions or emergencies. The policy also best-practice prohibits office equipment or computers above a specified dollar value to prevent compatibility and maintenance issues.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},200932,1788514049,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":126,"read_time":76},1099514068365,"https://ap-avatar.wpscdn.com/avatar/10000253d8d9f28188e?_k=1776742907772140068","Policy and Procedures for Credit Card Use\nBACKGROUND INFORMATION\nMany public housing authorities allow the use of credit cards to facilitate purchases necessary for PHA operations, lodging, and travel to approved PHA functions, and to facilitate other necessary transactions where the use of a credit card would expedite the transactions in an efficient manner. However, the use of credit cards is a high-risk area for PHAs.  A HUD OIG bulletin found that:\n“Next to cash, credit card abuse is the most common form of fraud.  Commissioners must ensure that there are strong policies and controls surrounding the use of the PHA’s credit cards. Not only are credit cards often used to circumvent procurement rules but many times they are used for the credit card holder’s personal expenses which have nothing to do with the PHA’s operations. When these cases are disclosed it causes great harm to the PHA’s reputation as well as leading to considerable negative press.”\nIt must be stressed that credit cards are a payment method and not a method of procurement.  The use of the credit card should still conform to the policy and procedures set forth in the PHA’s Procurement Policy.  In addition, HUD Handbook No. 7460.8 REV 2 (Procurement Handbook for Public Housing Agencies) requires that when using credit cards, PHAs must adopt reasonable safeguards and procedures to assure that the credit cards are used only for the intended purposes and that PHAs have guidelines for selecting merchants/vendors, tracking purchases, and card payment/settlement procedures.\nPHA should consider the following items in the development of a credit card policy.\nAuthorized Credit Card Holders. PHAs should generally minimize the number of authorized users of a PHA credit card.  The PHA should consider the needs of each department and PHA position in determining whether the issuance of a credit card is needed.  Under no circumstance should a Board member be issued a credit card.\nCredit Card Limit. The policy provides an overall PHA and individual credit card limit as an example.  The PHA should establish individual credit card limit for each position based on the type of items that can be purchased with the credit card, the PHA’s historical costs for these items, and the PHA’s ability to cover the loss if the credit card was to be mis-used.\nLimited Use of Credit Card to Order Maintenance or Office Supplies or Services. PHA best practice is that purchases of maintenance or office supplies and services should generally be made through a purchase order which provides for better tracking and easier reconciliation.  The use of a credit card for routine purchases should only be made on an exception or emergency basis.\nProhibition of Purchase of Office Equipment or Computer. PHA best practice is not to allow each office or individual to purchase their own printer or computer to ensure compatibility and minimize maintenance costs.  As such, the PHA’s credit card policy should prohibit the purchase of office equipment or computer above a certain dollar value.  This prohibition would prevent each office or individual from purchasing for example, a printer or computer which may not be compatible with or require more support to match other devices used by the PHA.\nType of Credit Cards Permitted. The PHA’s credit card policy should minimize the number of credit cards that are maintained by the PHA.  To that end, the PHA should\nUtilize a major credit card that is accepted by virtually all merchants (e.g., Visa, Mastercard, Discover, American Express, etc.).\nThe PHA should prohibit the use of a merchant-specific credit card (with possibly the exception of a gas credit card) that cannot be used for purchases made at other stores.\nPHAs may choose to use a merchant-specific credit card (e.g., Exxon, Shell, Chevron, etc.) for the purchase of gas for the PHA vehicles or handle purchases of gas for PHA vehicles through a purchase order arrangement made with a specific store.\nPoints, Rewards, C","cbCaimeasD98rXtz","https://ap.wps.com/l/cbCaimeasD98rXtz","docx",48750,8,"English","# Background Information\n## Risk of Credit Card Abuse\n## HUD Requirements\n# Credit Card Policy Development Considerations\n## Authorized Credit Card Holders\n## Credit Card Limit\n## Limited Use for Maintenance/Office Purchases\n## Prohibition on Office Equipment or Computers\n## Permitted Types of Credit Cards\n## Points, Rewards, and Cash Back\n## Employee Use of Personal Credit Cards\n# Sample Policies\n## Sample 1 - Small PHA\n## Sample 2 - Large PHA","[{\"question\":\"Why do PHAs need strong controls over credit card use?\",\"answer\":\"Credit card abuse is a common fraud method and can be used to bypass procurement rules or pay for personal expenses. Strong policies and controls protect the PHA’s reputation and reduce negative press.\"},{\"question\":\"How should credit card purchases relate to procurement rules?\",\"answer\":\"Credit cards are a payment method, not a procurement method. Purchases must still conform to the PHA Procurement Policy and required HUD safeguards for intended use, merchant selection, purchase tracking, and payment/settlement procedures.\"},{\"question\":\"What items are restricted or prohibited when using a PHA credit card?\",\"answer\":\"Routine maintenance or office supply and service purchases should generally be made through purchase orders, with credit card use only for exceptions or emergencies. The policy also best-practice prohibits office equipment or computers above a specified dollar value to prevent compatibility and maintenance issues.\"}]","Policy and Procedures for Credit Card Use - Credit Card Policy Guidelines | DOCX"]