I. Introduction to Jinsuika
Jinsui Credit Card of Agricultural Bank of China (quasi-credit card, hereinafter referred to as Jinsui Credit Card) is a RMB credit payment tool issued by Agricultural Bank of China, which has the functions of cash deposit and withdrawal, transfer settlement and consumption, and can enjoy certain overdraft facilities according to the regulations of the issuing bank. Jinsui credit card is divided into gold card and ordinary card according to different credit grades, and unit card and personal card according to different card issuers.
Second, card issuers.
1. Personal Card: Individuals with legal income and full capacity for civil conduct can apply for personal cards, and the main card holder of personal cards can apply for supplementary cards for individuals with full capacity for civil conduct at the age of 18, with no more than two supplementary cards. 2. Business card: Any unit that opens a basic deposit account in a financial institution in People's Republic of China (PRC) can apply for a business card with an account opening permit issued by the People's Bank of China, with a maximum of 6 business cards. The cardholder shall be designated in writing by the legal representative of the applicant or his entrusted agent.
Third, the function introduction
1. Credit integration, instant credit benefit farmers credit card has a powerful function of credit integration. You can open current and multiple fixed sub-accounts and deposit your own funds to earn deposit interest; Moreover, after receiving the card, there is no need to go through other procedures, and we can directly overdraw the letter within the credit line approved by our bank, flexibly arrange our own production and operation funds, and manage family property.
2. Revolving overdraft means quick turnover within the credit line approved by our bank. You can borrow and repay at any time according to your own capital situation, and the interest is calculated according to the actual use days. After repayment, the credit line will be recovered and reused immediately, realizing rapid capital turnover, saving the cost of capital use and maximizing asset appreciation.
3, full cash withdrawal, easy to use, not only for consumption overdraft, but also for cash overdraft and transfer overdraft. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can be up to 100% of the credit line, which can meet your capital needs for different purposes to the greatest extent.
4. High credit and flexible guarantee. You can obtain the credit of Huinong Credit Card through credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the maximum credit line can reach 300,000 yuan.
5. Easy management: With Huinong Credit Card, you can open RMB demand account and multiple RMB time sub-accounts at the same time, and you can easily manage your demand deposit and time deposit with only one card without other cards or certificates of deposit.
6. Pay by proxy, which saves worry and effort. We can pay the water fee, electricity fee, communication fee, cable TV fee and other expenses on your behalf through Huinong credit card, so as to avoid your running around. When the self-owned funds in the account are insufficient, you can also overdraw within the credit line by no more than 1000 yuan to pay the above expenses.
7. The main card and the supplementary card shared by the line. You can open multiple supplementary cards for your family or friends according to your own situation, so that they can use their own funds in your card together, or use the credit line approved by our bank together according to your requirements.
8. Payment control, full control. According to your requirements, you can control the payment times, amount and overdraft authority of the secondary card, and you can also cancel the secondary card at any time, allowing you to flexibly control the use of the secondary card.