Most rural credit cooperatives do not carry out credit card business. If you want to apply for a credit card in a rural credit cooperative, you should consult the local rural credit cooperative in advance whether it has this business.

Some rural credit cooperatives that have started credit card business are basically the same as commercial banks. Anyone who is 18 years old or above, has full capacity for civil conduct, repayment ability and good personal credit can apply.

When applying for a credit card in a rural credit cooperative, the applicant needs to meet the following basic conditions:

1, applicant 18 years old or older;

2. Have a stable repayment ability;

3. Have a stable job and income, and can provide proof of income or social security;

4. Can provide valid identification.

Credit cooperatives generally do not have the qualification to issue credit cards. Credit cooperatives issue debit cards and quasi-credit cards. Quasi-credit cards also have the function of credit cards, but the amount is not high, generally not more than 3 thousand. Only when a bank reaches a certain scale and is approved by the banking regulatory bureau can it issue credit cards. At present, commercial banks like domestic banks all have credit cards, and the application is relatively simple. As long as you have a job, you can basically do it.