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The Agricultural Bank of China sent a text message saying that I am eligible to apply for a credit card. Can I apply directly?

Yes.

According to the provisions of Article 1 of the "Golden Harvest Credit Card Usage Contract (Personal Card)"

Party A has the right to decide whether to issue a credit card to Party B and to determine Party B's credit limit. Party B may be required to provide guarantee when necessary. Regardless of whether Party A issues a credit card to Party B, the relevant information will not be returned to Party B. Party A will take necessary confidentiality measures on the application materials.

If Party B applies for an additional card for others, Party B and its additional card applicant*** shall enjoy the same credit limit.

If Party A discovers that Party B is suspected of providing false information, falsifying application information, or other violations of laws and regulations during credit card acceptance, approval, card collection, etc., Party A has the right to reject Party B and the supplementary card applicant. Apply for a card or activate it, or take measures such as reducing the limit, stopping payments, or canceling the credit cards (including supplementary cards) applied for by Party B and supplementary card applicants.

Extended information:

Relevant provisions of the "Golden Harvest Credit Card Acceptance Agreement (Personal Card)"

The supplementary card application materials accepted by Party A must be submitted by Party B. Confirmation by personal signature or other method recognized by both parties. Party B promises and guarantees that the application for the supplementary card has been authorized by the supplementary card applicant, and will fully inform the supplementary card applicant of the technical contract, articles of association, important reminders and other contents to ensure that the supplementary card applicant abides by the above regulations.

After Party B successfully applies for a business card, it must be confirmed and verified by the unit where it is located. The card can only be used after Party A enters its name, card number and other information into the business card-related system.

Some of Party A’s chip (IC) credit cards have electronic cash accounts. Electronic cash accounts support all or part of the functions of electronic cash transactions such as small-amount fast payments and balance inquiries, but do not support other payment settlement functions such as overdrafts, transfers, and cash withdrawals. Electronic cash accounts are anonymous, do not report losses, do not accrue interest, and do not provide statements.

The chip (IC) credit card issued by Party A (except for some special card types) simultaneously activates the small-amount password-free and visa-free function. Party B and supplementary cardholders can make non-payment transactions up to a certain limit at designated merchants. For contact transactions, you only need to bring the card close to the sensing area of ??the acceptance terminal to complete the payment without verifying passwords or signatures.

Agricultural Bank of China-Golden Harvest Credit Card Application Agreement (Personal Card)