1. Can those who have an Agricultural Bank of China credit card get a loan?

You cannot apply for a loan directly with a credit card. The credit card usage record can affect the loan approval. A good credit history is good for loans. Agricultural banks in different regions have different loan requirements, and the specific application conditions of the local bank shall prevail.

Conditions for applying for loan business:

Natural persons aged 18-60 years old;

The actual age of the borrower plus the loan application period should not exceed 70 years old ;

Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

Good credit, no bad records;

Other conditions stipulated by the bank.

Documents required for the loan:

ID cards of the borrower and his wife;

The borrower’s household register/non-residents need temporary residence permit and household register;

Marriage certificate/divorce certificate or judgment/single certificate;

Income certificate;

Education certificate;

Bank statement;

Other properties;

A copy of the business license of the unit (with official seal);

Larger deposit certificates, etc.;

If the borrower is a corporate legal person You must also provide annual inspection business license, tax registration certificate, organization code certificate, corporate articles of association, financial statements;

Other information required by the bank.

The process of applying for a bank loan:

The borrower submits a loan application;

Prepare loan-related information;

Account manager loan investigation;

Bank approval;

Both parties sign a loan contract;

Implement mortgage, pledge, unsecured contract or other guarantee contract;

Bank Loan;

Post-loan management;

Repay the principal and interest when the loan is due

2. What are the conditions for applying for the Agricultural Bank of China black card?

The Agricultural Bank of China black card is divided into platinum card and diamond card. The access standards are different. The specific access standards are as follows: The Agricultural Bank of China platinum card needs to have average daily financial assets of 1 million in the first 12 months of the Agricultural Bank of China. yuan (inclusive) to 5 million yuan (inclusive).

The Agricultural Bank of China Diamond Card requires that the average daily financial assets of the Agricultural Bank of China in the first 12 months reach more than 5 million yuan (inclusive). The admission conditions for the Agricultural Bank of China black card include not only deposits, but also financial products. If the applicant owns financial products, they are also included in the financial assets.

Extended information:

The Agricultural Bank of China Black Card is a white smart gold card launched by the Agricultural Bank of China. The card color is black. Cardholders can enjoy preferential treatments such as business travel privileges, health butler, roadside assistance, insurance protection, life insurance, advanced financial management, and VIP lines.

Function introduction:

1. Comprehensive loans and loans, use credit immediately;

2. Revolving overdraft, fast turnover;

3. Full cash withdrawal, easy to use;

4. High credit limit, flexible guarantee;

5. Integrate into life, easy management;

6. Agency Payment saves worry and effort;

7. Main card and additional card, quota limit enjoyment:

8. Payment control and overall control.