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What kind of cards does Agricultural Bank of China have?

There are two types of Agricultural Bank of China cards, debit cards and credit cards. Credit cards are usually called credit cards, and debit cards are usually called savings cards. Deposit cards are classified from different perspectives. They are also different. They can be divided into Jinsui Tongbao corporate cards and personal cards, and they can also be divided into chip cards and magnetic stripe cards.

In addition, according to the theme, it can be divided into ordinary cards, commemorative cards, campus cards, volunteer cards, travel cards, etc. If divided according to levels, they can be divided into ordinary cards and VIP cards. VIP cards can be divided into diamond cards, gold cards, platinum cards, etc.

1. Credit cards currently include: Jinsui standard credit card and theme credit card?

Credit cards are divided into credit cards and quasi-credit cards.

A credit card refers to a credit card in which the card-issuing bank grants the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. ?A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

2. Debit cards currently include: Golden Harvest Debit Card, Golden Harvest Constellation Card?

Debit cards are divided into transfer cards, special cards, and stored-value cards according to different functions. . Debit cards cannot be overdrawn. ?The debit card has the functions of transferring money, depositing and withdrawing cash, and spending money. ?Specialized cards are debit cards used in specific areas and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). They have the functions of transferring funds, depositing and withdrawing cash. ?

A stored-value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage at the request of the cardholder and deducts money directly from the card during transactions.

Extended information:

The Jinsui debit card is a financial payment instrument issued by the Agricultural Bank of China with all or part of the functions of cash deposit and withdrawal, transfer settlement, consumption, financial management, etc. Online operations, real-time recording, no overdraft allowed.

The Golden Harvest Debit Card has no expiration date and can be used for a long time.

1. 9559 UnionPay Card

2. 6228 International Standard UnionPay Card

Application Conditions

1. Wherever the issuing bank is located An organization that opens a basic deposit account can apply for an organization card from the card-issuing bank.

2. Individuals can apply for a personal general card with their valid ID.

3. Apply for a card and use it immediately.

Transaction regulations

1. The funds in the Jinsui debit card corporate card account must be transferred and deposited from the basic deposit account of the applicant unit, and cash collection and payment services are not allowed. All transactions with the corporate card will be credited to the corporate card account.

2. The funds in the personal card account are deposited with the cash held or transferred with salary payments, personal legal labor remuneration, investment returns and other income.

3. If the cardholder withdraws cash of more than RMB 50,000 (exclusive) from the account at one time in one day, the cardholder should provide the cardholder's valid identity document. Cardholders who want to withdraw cash of more than RMB 200,000 (inclusive) at one time must make an appointment with a bank outlet by phone or other methods at least one day in advance.

4. When cardholders withdraw cash from domestic ATMs with their Jinsui debit card and password, the number of cash withdrawals per card shall not exceed 10 times per day, and the cumulative cash withdrawal amount shall not exceed RMB 20,000; cardholders When withdrawing cash from overseas ATMs with your Jinsui debit card and password, the number of cash withdrawals per card per day shall not exceed 10 times, and the cumulative cash withdrawal amount shall not exceed the equivalent of RMB 5,000 in foreign currency.

5. When the cardholder handles business at an ATM, if the Jinsui debit card is swallowed due to terminal failure or personal operation reasons, the cardholder should wait 3 working days from the day after the card is swallowed. Within the period, you can go to the bank branch where the ATM belongs to go through the card collection procedures with your valid identity document and the card swallowing notice printed by the ATM. If the card is not collected within the time limit, the card issuing bank has the right to cancel the card.

6. Deposits in Jinsui debit card accounts will be paid interest in accordance with the deposit interest rate and interest calculation method announced by the Agricultural Bank of China. Deposits in personal card accounts will be withheld and paid to savings deposits by the card issuer in accordance with the tax rate stipulated by the state. Personal income tax on interest income.

Baidu Encyclopedia - Golden Harvest Card