How to apply for a rural credit card credit card
Bring your ID card and rural credit union passbook to an offline business point to apply and fill in the application information;
Submit relevant information , such as a copy of ID card, proof of personal financial resources, proof of creditworthiness, etc.;
After the credit card review information is submitted, the card can be issued within 15 working days under normal circumstances.
Extended information:
Rural Credit Cooperatives (English name RuralCreditCooperatives, Chinese abbreviation of Rural Credit Cooperatives, Rural Credit Cooperatives) refers to establishments approved by the central bank, composed of members as shareholders, and implemented democratic management. Rural cooperative financial institutions that mainly provide financial services to members.
Rural credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy. In accordance with the provisions of national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them.
The relationship between the county federation and an individual credit union is equivalent to the relationship between the head office and the branch.
There is a county federation in a county. At first, the county federation was under the management of the Agricultural Bank of China; after 1996, it was under the control of the central bank; after 1999, the central bank gradually established prefecture (city) federations, and the county federation The cooperatives were again managed by prefectural (municipal) cooperatives; after 2003, the People's Bank of China withdrew, canceled the prefectural (municipal) cooperatives, and handed over the management of rural credit cooperatives to the provincial government. The provincial government established the provincial cooperatives. The provincial federation is in charge of the county federation.
So far, from an economic and legal perspective, each county cooperative is equivalent to an independent bank (enterprise). The actual owner is the provincial government, and the county cooperatives in the province*** The provincial cooperatives were jointly invested in and established the provincial cooperatives, so the provincial cooperatives are actually the "sons" of the county cooperatives; from an administrative point of view, each county cooperative is an administrative department that manages credit unions, and the provincial cooperative is The highest administrative department, so the provincial federation is the "father" of the county federation. Because of their higher administrative status, the provincial federation has also become the actual manager of the county federation economically.
What are the requirements for applying for a rural credit cooperative credit card?
The application conditions for a rural credit cooperative credit card:
Must be over 18 years old; have an annual income of at least 30,000 yuan; be in No bad records on personal credit record; stable job.
The following information is required:
Copy of ID card (copy by yourself)
Income certificate or work certificate from the unit (print by yourself or collect at the counter)
Credit card application form (collected at the credit union counter)
If you have real estate or a vehicle and provide the information to the bank, you will get a large credit card limit.
After filling in the information at the rural credit cooperative, just hand it over to the credit card officer.
Rural Credit Cooperatives (English name RuralCreditCooperatives, Chinese abbreviation of Rural Credit Cooperatives, Rural Credit Cooperatives) refers to rural credit cooperatives established with the approval of the People's Bank of China, composed of members as shareholders, practicing democratic management, and mainly providing financial services to members. Cooperative financial institutions.
Rural credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy. In accordance with the provisions of national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them.
Rural Credit Cooperatives are divided into the following departments: Rural Credit Cooperatives Cooperatives, Rural Credit Cooperatives International Finance Department, Zhengtong Rural Credit Cooperative Training School, Rural Credit Cooperative Credit Department, etc. It is a department under the dual leadership of the China Banking Regulatory Commission and the State Council .
Loan interest rates
Legal interest rates: Various interest rates approved by the State Council and set by the People's Bank of China authorized by the State Council are legal interest rates. The head office of the People's Bank of China is responsible for the announcement and implementation of legal interest rates.
Baseline interest rate: The People's Bank of China's deposit and loan interest rates for commercial banks and other financial institutions are the benchmark interest rates.
The base interest rate is determined by the Head Office of the People's Bank of China.
Contract interest rate: The interest rate of a specific loan that the lender has negotiated with the borrower and stated in the loan contract based on the legal loan interest rate and the floating range stipulated by the People's Bank of China. .
With the approval of the State Council, the People's Bank of China decided to fully liberalize loan interest rate controls on financial institutions starting from July 20, 2013.
The lower limit of 0.7 times the loan interest rate of financial institutions will be cancelled, and financial institutions will independently determine the level of loan interest rates based on commercial principles.
There will no longer be a cap on loan interest rates for rural credit cooperatives.
As a bank-like financial institution, rural credit cooperatives have their own characteristics, which are mainly reflected in:
Farmers and other rural individuals jointly raise funds, and are cooperative finance with mutual assistance as the main purpose. An organization whose business operations are managed and operated by members designated by members on the basis of democratic elections, and who are responsible to the members. Its highest authority is the Members' Congress, and the executive body responsible for the management of specific affairs and business operations is the Board of Directors.
The main source of funds is the share capital paid by cooperative members, the retained provident fund and the deposits absorbed; loans are mainly used to meet the financial needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the development of the economy, the lending channels were gradually expanded, and they were no different from commercial bank loans.
Since the business targets are cooperative members, the business procedures are simple and flexible. The main tasks of rural credit cooperatives are: to organize and regulate rural funds in accordance with the provisions of national laws and financial policies, to support agricultural production and comprehensive rural development, to support various forms of cooperative economy and member family economy, and to restrict and combat. [1]
How to apply for a rural credit cooperative credit card?
How to apply for an Agricultural Bank of China credit card? There are several types of Agricultural Bank of China credit cards:
There are two main ways to apply for an Agricultural Bank of China credit card: online application and application at a business outlet:
< p>1. Online application: Click on the credit card under the personal service section of the official website of the Agricultural Bank of China, select the credit card to be applied for, fill in the personal details, confirm that the information is correct and click confirm to submit. If the application passes the bank review, you can go to Go to the agreed outlet for an interview and get the card.2. Application at business outlets: You can directly apply for a credit card by providing personal valid ID card, work certificate and other information at the business outlets of Agricultural Bank of China.
The best credit card to apply for is a bank credit card with a high credit limit:
1. Meituan co-branded credit card
Meituan co-branded credit card is Meituan’s joint credit card with banks from various places, focusing on “ A standard credit card product issued with rights and interests in various life consumption scenarios, which combines Meituan’s big data, intelligent model and other advantages with the bank’s accumulated experience and advantages in funds, full-process risks, etc., through “online "Local customers, local life, local finance" are provided with characteristic and differentiated financial services to meet the real needs of users under "lower" consumption scenarios.
The limit of Meituan co-branded credit card is generally 1,000-50,000 yuan, and the maximum limit is 50,000 yuan. (Click to apply online)
Card holders can enjoy the "early adopter privilege" rights of the Meituan platform. The points spent by swiping the card can be automatically converted into Meituan pocket money and used as cash on the platform every day at the standard of 10 yuan/1 pocket money. Within 90 days of card issuance, Meituan will receive an immediate discount of RMB 6 for the first payment made each day.
2. Bohai Bank Credit Card
The Bohai Bank Self-Travel Platinum Card is relatively easy to get approved. The Freedom Card is a travel-themed credit card launched by Bohai Bank. Classic platinum card products mainly customized for those who pursue the ultimate cultural, sports and food experience. After applying for the card, the review result will be available within 30 minutes. If the review is passed, you will receive a text message reminder.
Bohai Bank’s credit card limit: Bohai Bank’s regular card limit is 1,000-10,000, gold card limit is 10,000-50,000, and platinum card limit is more than 50,000. (Click to apply online)
3. Shanghai Pudong Development Bank Credit Card
The Shanghai Pudong Development Bank Credit Card is pretty good. Pudong Development Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free.
1. Ordinary card level. The initial limit range of Shanghai Pudong Development Bank's credit card general card level is generally between 1,000 yuan and 10,000 yuan. (Click to apply online)
2. Gold card level.
The initial limit of the gold card of Shanghai Pudong Development Bank Credit Card will be relatively high, generally between 10,000 yuan and 50,000 yuan.
3. Platinum card level. The initial limit of Shanghai Pudong Development Bank's platinum credit card is generally more than 50,000 yuan.
4. High-end platinum card level. High-end Platinum Card, commonly known as Da Platinum. The initial limit of Pudong Development Bank’s high-end Platinum Credit Card is generally more than 100,000 yuan, with a maximum of no more than 500,000 yuan.
How to apply for a credit card from a rural credit cooperative?
1. Rural Credit Cooperative Credit Card Application Conditions:
The general application conditions are relatively close, and the actual operation is based on the regulations of each bank. Each card-issuing bank has its own card-issuing standards, which generally include the following:
(1) Be 18 years or older.
(2) Urban and rural residents who have a fixed occupation and stable income, and their workplace is generally in their permanent residence.
(3) Fill in the application form and sign in the "Applicant's signature" area.
2. Credit card application process:
(1) Fill in the application form.
(2) Give the bank your information and various copies.
(3) The bank sends it to the credit card center.
(4) The credit card center conducts review, card printing and card issuance.
(5) After you get the card, open it and wait for the password letter.
3. Information required for credit union credit card application:
1) Copy of identity document, work certificate, income certificate, etc.
2) If you can also provide bank deposit receipts, real estate certificates, degree certificates, etc., your application approval process will be more convenient and faster.
3) If you have a foreign registered permanent residence, are an overseas personnel applying for a local job, or are an active military officer applying for a credit card in your own name, some card-issuing banks may require you to present a temporary account issued by the local public security department or a relevant Certificate issued by the department (including work certificate).
4) Other conditions required by each card issuing bank.
4. Rural Credit Cooperative Credit Union Credit Card Application Time:
Generally, Rural Credit Cooperative Credit Union Credit Card Application takes about 15-25 days.
That’s it for the introduction of how to apply for a credit card in a rural credit cooperative.