Rural commercial bank (English name: rural commercial bank) is a kind of commercial bank that serves local farmers, agriculture and rural economic development.
Rural commercial banks are mainly established on the basis of rural credit cooperatives and county (city) rural credit cooperatives. They are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations under their jurisdiction in the form of joint-stock companies.
Steps for rural commercial banks to apply for credit cards: Credit card processing can be done at the counter of rural commercial banks or in official website. The online application method is as follows:
(1) After entering the credit card application page of official website Rural Commercial Bank, select the application area, and the system will list the types of credit cards that can be applied for in this area. Click Apply Now to enter the information filling page.
(2) When applying, you must fill in the true and effective application materials, and the bank will make a distinction.
(3) Submit the form after completion, and the system will automatically conduct a preliminary review, and then submit it to the local branch for further review.
(4) The online application is basically consistent with the actual written application. Must be 18 years old or above, with stable work and repayment ability.
If the credit cards of rural commercial banks need to be phased, the methods are as follows:
1. Customers can log in to the personal online banking or mobile banking client of the rural commercial bank, enter the "Credit Card" page, find the credit card to be phased, and click it according to the page prompts to operate the phased operation.
2. If there is a business outlet of a rural commercial bank nearby, the customer can directly bring his credit card and ID card to the outlet counter to find the staff to handle the installment.
3. Customers can call the customer service telephone number of rural commercial banks (the telephone numbers of rural commercial banks vary from place to place), and apply for staging by themselves according to voice prompts or through manual service channels.
It should be noted that after the installment, you have to repay the amount payable last month on a monthly basis, and you can't make the minimum repayment. If not, it will be overdue and affect personal credit.
Credit card quota of rural commercial banks
Rural commercial banks all over the country are not a system, and the credit cards issued are different. The credit limit of rural commercial credit cards is mainly related to the applicant's credit conditions and the card level applied for. Generally, the credit line of Capka of Beijing Rural Commercial Bank is between 1 0,000-1 0,000, the credit line of gold card is between10,000-50,000, and the credit line of platinum card is more than 50,000 yuan.