The credit card installment business of Agricultural Bank of China is divided into bill installment, consumption installment, cash installment, etc. The various installment application methods are as follows:

1. Bill installment application method:

1. Call the credit card customer service hotline 40066-95599 to apply for bill installment.

2. Log in to the Palm Bank APP, select "Credit Card" - "Instalment Repayment" to apply for bill installment.

3. Log in to personal online banking and click "Credit Card" - "Instalment" - "Bill Installment".

4. Follow the "Agricultural Bank of China Credit Card" WeChat official account, click "My Card" - "Apply for Installment" at the bottom of the page to apply for bill installment.

2. How to apply for consumption installment:

1. Call the credit card customer service hotline 40066-95599 to apply for consumption installment.

2. Log in to the Palm Bank APP, select "Credit Card" - "Bill Inquiry" - "Unissued Bill", and try to apply for consumption installment.

3. Log in to personal online banking and click "Credit Card" - "Instalment" - "Consumption Installment".

4. Follow the "Agricultural Bank of China Credit Card" WeChat official account, click "My Card" - "Apply for Installment" at the bottom of the page to apply for consumption installment.

3. How to apply for cash installment:

1. Call the credit card customer service hotline 40066-95599 to apply for cash installment.

2. Log in to the Palm Bank APP and select "Credit Card" - "Cash Installment".

3. Log in to personal online banking and click "Credit Card" - "Instalment" - "Cash Installment".

Agricultural Bank of China Credit Card Application Conditions

As long as you have a fixed residence in the location of the card-issuing bank, a stable income and full capacity for civil conduct, you can apply for a Huinong Credit Card (personal card).

You can apply for a supplementary card for others who have full capacity for civil conduct.

Required application information

Identity information must be provided. The card issuing bank has the right to require you to provide one or more types of credit certification information such as income certificate, work certificate, asset certificate, etc. ; If you open a card by guarantee, you must provide identity information and guarantee information in accordance with the relevant regulations on the guarantee business of Agricultural Bank of China.

Four types of income certificate formats and precautions for applying for employment certificates, the "Employment Income Certificate" format table for units applying for credit cards, eight types of financial certificates for applying for credit cards, and ten types of proof of permanent residence for applying for credit cards.

(1) Identity information

The original and copy of my valid identity document.

(2) Income certificate information

-The salary record issued by the bank for the first three months;

-Income certificate issued by the unit;

-Income tax withholding voucher;

-Proof of payment to provident fund, pension insurance, medical insurance, unemployment insurance;

-Business tax payment certificate, etc.

(3) Work certification materials

Work permit (card), work contract, pass, etc.

(4) Asset certification materials

-Proof of property rights for self-owned residential and commercial houses;

-Motor vehicle driving license;

-Proof of financial assets, etc.

(5) Other supporting documents

-Fixed phone bill, water and electricity bill, gas bill or property payment bill three months before the time of application for home address;

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-House rental contract and proof of rent for the first three months at the time of application;

-Other proof of fixed address.

Overdraft limit

1. The maximum overdraft limit of the Agricultural Bank of China credit card personal card is RMB 50,000 (including the equivalent in foreign currencies),

2. The Agricultural Bank of China credit card The overdraft limit of the 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 the overdraft limit does not exceed RMB 3 million. If there is no comprehensive credit, the maximum overdraft limit is RMB 1 million.

The high and low overdraft limit of a credit card is also directly related to the relevant material information of the cardholder when applying. For example, personal income, real estate, vehicles, and personal work nature can be used as supporting materials to apply for a credit card, thereby limiting the upper limit of the credit card. The overdraft limit of the same credit card will continue to increase as the cardholder uses the credit card, and the overdraft limit will automatically increase within half a year or a year.