The materials required for a credit card interview at the Agricultural Bank of China are:

1. Your own identity certificate, such as the original and copy of your ID card;

2. Work and proof of income, such as a labor contract, bank statement of wages for more than three months;

3. Other supporting documents, such as telephone bills, water and electricity bills, property bills, etc.;

If you can also provide some asset certification materials, such as real estate certificates, vehicle registration certificates, financial asset certificates, etc., it can improve your interview success rate.

AGRICULTURAL BANK OF CHINA is a large state-owned bank founded in 1951 and one of the major comprehensive financial service providers.

The bank provides a variety of corporate banking and retail banking products and services, and also carries out financial market business and asset management business. Its business scope also covers investment banking, fund management, financial leasing, life insurance and other fields.

Credit card application process

Application

In most cases, those with full capacity for civil conduct (citizens over 18 years old) and certain direct financial resources Citizens can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Information

(1) Information of the principal cardholder.

(2) Supplementary card applicant information.

(3) Guarantor’s information.

(4) Other information.

(5) Statement and signature of the principal card applicant and supplementary card applicant.

(6) Bank special column.

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Card Issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the issuing bank for settlement after shopping, consumption and cash withdrawal.

Card opening

Card opening is mainly done through phone calls or the Internet. The relevant personal information provided during the application is checked. Once the card is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card.

After opening a credit card, you generally need to set up a password for the card.

Identification

There is at least the following information on the credit card:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, Card number, English or Pinyin name, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: Card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits of the card number or the entire card number (to prevent fraudulent use), credit card security code

Authorization

After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

Use

Credit cards are usually only used by the cardholder himself. Lending them to others is generally a violation of the use contract.

Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.