Must be at least 18 years old; Its annual income is at least 30,000 yuan; There is no bad record on the personal credit record; A steady job.

The following information is required:

Copy of ID card (self-copy)

Income certificate or work certificate of the unit (printed by yourself or collected at the counter)

Credit card application form (collected at the credit union counter)

If you have real estate and vehicles, you will get a large credit card limit by providing information to the bank.

Fill in the information in the rural credit cooperatives and give it to the credit card handlers.

Rural credit cooperatives (rural credit cooperatives in English) refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.

Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury.

Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.

loan rate

Legal interest rate: The interest rate set by the People's Bank of China approved by the State Council and authorized by the State Council is the legal interest rate. The announcement and implementation of the statutory interest rate shall be the responsibility of the head office of the People's Bank of China.

Benchmark interest rate: The deposit and loan interest rate of China People's Bank to commercial banks and other financial institutions is the benchmark interest rate. The benchmark interest rate is determined by the head office of the People's Bank of China.

Contract interest rate: The lender and the borrower agree on the interest rate of the specific loan according to the legal loan interest rate and the floating range stipulated by the People's Bank of China, and specify it in the loan contract.

With the approval of the State Council, the People's Bank of China decided to fully liberalize the control of loan interest rates of financial institutions from July 20, 20 13.

Cancel the lower limit of 0.7 times the loan interest rate of financial institutions, and let financial institutions independently determine the loan interest rate level according to commercial principles.

There is no upper limit on the loan interest rate of rural credit cooperatives.

As a banking financial institution, rural credit cooperatives have their own characteristics, mainly manifested in:

Farmers and other individuals in rural areas jointly form cooperative financial organizations whose main purpose is mutual assistance. Its business operation is managed by the personnel designated by the members on the basis of democratic election and is responsible to the members. Its highest authority is the member congress, and the executive body responsible for managing specific affairs and business operations is the Council.

The main sources of funds are shares paid by cooperative members, retained provident fund and absorbed deposits; Loans are mainly used to solve the capital needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the economic development, it gradually broadened the channels of borrowing, which is no different from commercial bank loans.

Because the business object is a cooperative member, the business process is simple and flexible. The main tasks of rural credit cooperatives are to organize and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and limit and crack down on usury according to the provisions of national laws and financial policies. [ 1]