How to apply for an Agricultural Bank of China credit card? How to apply for an Agricultural Bank of China credit card?
1. The Agricultural Bank of China credit card processing methods include processing at the counter in the business hall and on the official website.
2. When applying at the counter of the business hall, the applicant must prepare ID card, financial certificate and other information, and go to the nearby Agricultural Bank of China branch to explain the card application requirements. The bank will have a dedicated salesperson. When applying on the official website, the applicant clicks to enter the credit card center on the homepage, selects the card type, and then fills in various application information according to the prompts on the page. After submitting the application, wait for review. If the review is passed, the card can be issued.
How to apply for an Agricultural Bank of China credit card?
At present, the main ways for our bank to apply for credit cards are: branch application, official website application, WeChat application, mobile banking application, online banking application, etc.
1. Online application: Please bring the original and copy of your ID card, proof of income (issued by the unit or salary account statement for the past three months), credit certification materials, and a copy of the real estate certificate/vehicle driving license. A copy of a time deposit with a term of more than one year or a tax payment voucher. The specific materials required will be different in each branch. Please consult the branch staff for details.
2. To apply on the official website of the Agricultural Bank of China, please click "Personal Services → Credit Card → I Want to Apply for a Card" on the homepage of the official website to select the card that suits you and apply.
3. WeChat banking application: Follow the "Agricultural Bank of China" WeChat official account, click "Credit Card → Card Application", select the card type and apply for a card.
4. Personal Palm Banking application: Log in to the Palm Banking APP, click "Credit Card → I want to apply for a card", select a credit card product, fill in the information and apply.
5. Personal online banking application: Log in to personal online banking and click "Credit Card → Apply".
How to apply for an Agricultural Bank of China credit card
To apply for an Agricultural Bank of China credit card, you only need to meet the following conditions. You can apply for a credit card at the bank counter:
1. The applicant meets Conditions
1. Have a fixed residence at the location of the card issuing bank.
2. Have stable income and full capacity for civil conduct.
3. You can apply for a supplementary card for others who have full capacity for civil conduct.
2. Materials that can be provided
1. Identity information
The original and copy of my valid identity document.
1. Income certification materials
1. Salary records issued by the bank for the previous three months at the time of processing.
2. Income certificate issued by the unit.
3. Provident fund, pension insurance, medical insurance, and unemployment insurance payment certificates.
2. Work certification materials
1. Work permit
2. Work contract
3. Passport, etc.
3. Asset certification materials
1. Property rights certificate for self-owned residential and commercial houses.
2. Motor vehicle driving license
3. Financial assets certificate, etc.
Extended information:
Agricultural Bank of China credit card overdraft limit:
1. The maximum overdraft limit for the Agricultural Bank of China credit card personal card is RMB 50,000.
2. The overdraft limit of the Agricultural Bank of China Credit Card Gold Card is RMB 200,000.
3. The minimum overdraft credit limit of the Platinum Card is RMB 100,000, and the maximum overdraft credit limit is RMB 1 million.
4. For commercial cards, the maximum overdraft limit for customers with comprehensive credit is 3% and does not exceed RMB 3 million. If there is no comprehensive credit, the maximum overdraft limit is RMB 1 million.
Functions
1. Integration of borrowing and lending, instant credit usage
Huinong Credit Card has a powerful function of integrating lending and borrowing. You can open current and multiple Regular sub-accounts, and deposit your own funds to obtain deposit interest; moreover, without going through other procedures after receiving the card, you can directly overdraft and use credit immediately within the credit limit approved by our bank, and flexibly arrange your own production and operation funds. Manage family property.
2. Revolving overdraft, fast turnover
Within the credit limit approved by our bank, you can borrow and repay at any time according to your own financial situation, and the interest is calculated based on the actual number of days of use. After repayment, the credit limit will be restored immediately and can be used again, realizing rapid turnover of funds, maximizing savings on capital use costs and realizing asset appreciation.
3. Withdraw cash in full, easy to use
You can not only consume overdrafts, but also withdraw cash overdrafts and transfer overdrafts. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can reach up to 100% of the credit limit, which can meet your fund needs for different purposes to the greatest extent.
4. High credit, flexible guarantee
You can obtain credit from Huinong Credit Card through various guarantee methods such as credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the credit limit can be up to 300,000 yuan.
5. Integrate fixed-term and active-duty transactions into one, easy management
You can open a RMB current account and multiple RMB fixed-term sub-accounts at the same time under the Huinong Credit Card, without the need for other cards or deposit receipts. Easily manage your current deposits and time deposits with one card in hand.
Baidu Encyclopedia - Agricultural Bank of China Credit Card
Agricultural Bank of China Official Website - Lefen Card Application
What to do with Agricultural Bank of China Credit Card
Agricultural Bank of China Credit Card Applicants must be over 18 years old, have full capacity for civil conduct, have a fixed income, and have good credit qualifications. You can apply for an Agricultural Bank of China credit card through the following methods:
1. Agricultural Bank of China’s mobile banking: Download the Agricultural Bank of China’s mobile app (Apple 12, ios 14, Agricultural Bank of China version 6.7.0) and install it. After the installation is complete, open it, enter your username and password, click login, click Credit Card - Apply for a Card after successful login, then select the credit card product you need to apply for, and fill in your personal information as required to apply;
2. Agriculture Bank online banking: Open the official website of Agricultural Bank of China () (macbookpromos14 opens Google version 92.0.4515.131), click on personal online banking login, enter the user name and password to log in, after logging in, select personal services-credit card-I want to apply for a card, select the credit card that needs to be applied for and Fill in the information as required to apply;
3. Agricultural Bank of China WeChat public account: Open WeChat (Apple 12, ios14, WeChat version 8.0.13), add friends with the + sign in the upper right corner, select the public account, and search Agricultural Bank of China, pay attention to the Agricultural Bank of China credit card, click on the card application/binding card in the lower left corner, select I want to apply for a card, select the credit card that needs to be applied for, fill in the personal information as required, and you can apply;
4. Agriculture Bank branch counter: Please bring your valid ID and personal related materials to any branch of the nearest Agricultural Bank of China to apply. The specific personal materials required will be different in each branch. You can consult the staff at the branch counter for details.
Definition of credit card limit:
Credit card limit, also commonly referred to as the available limit of a credit card, refers to the maximum amount that can be used by your credit card, which includes the credit limit (i.e. the maximum amount of credit card The limit that can be used for overdraft) and the amount deposited on the credit card. The limit of any credit card depends on the valid income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.
That’s it for the introduction of how to apply for an Agricultural Bank of China credit card.