Generally, the materials that must be submitted when applying for an Agricultural Bank of China credit card include:

1. Credit card application form, which can be obtained directly at the bank branch counter;

2. Original ID card and copy. Now you can usually take the original ID card directly to the bank, and the bank staff will help you copy it

3. Work certificate, income certificate, and work certificate submitted by the applicant Proof of income and income must be stamped by the official seal of the employer;

4. Those with non-local household registration also need to provide proof of residence, which is to prove the stability of the applicant.

5. If the applicant is an individual industrial and commercial household, the following materials are also required: Proof of business operation for more than two years, a verified business license or tax registration certificate; business premises contract or certificate of self-ownership (i.e. real estate certificate).

In addition, if you have already handled business with the Agricultural Bank of China, such as savings and loans, it would be better if you can provide supporting documents.

As for whether you need to prepare in advance, it is recommended to apply first, either at the counter or online. The bank customer service will ask and verify your information based on your application form, and then you can provide the required information according to the bank's requirements. The supporting documents are enough.