Legal analysis:
The conditions required for citizens to apply for an Agricultural Bank of China credit card are: as long as the individual has a fixed residence in the location of the card-issuing bank, has a stable income and full civil capacity, he or she can apply. In addition, you must also provide identity information, the original and copy of your valid ID. The card issuing bank has the right to require individuals to provide one or more types of credit certification materials such as income certificate, employment certificate, and asset certificate. If the card is opened by guarantee, identity information and guarantee information must be provided in accordance with the relevant regulations on the guarantee business of Agricultural Bank of China. Specifically include: 1. Over 18 years old and have full capacity for civil conduct; 2. Have a second-generation ID card and no bad credit; 3. Have a fixed job with a monthly salary of more than 3,000; 4. Have paid social security or provident fund; 5. There are real estate, cars, stocks, bonds, etc.
Legal basis:
"Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"
Article 42 The card-issuing bank shall determine credit card application materials based on overall risk management requirements Required (optional) elements, missing (optional) required information or required options in the credit card application materials, other people handling it on behalf of others (except for units handling business travel cards and business purchasing cards, and principal cardholders handling supplementary cards on behalf of others) No credit card will be issued if the applicant signs on someone else’s behalf or the application materials are not signed.
Credit cards shall not be issued if there are doubtful information in the credit card application materials, missing review comments, failure of reviewers at all levels to sign (sign, seal, enter work code), or lack of system review records.
Article 44 The card-issuing bank shall not issue credit cards (except supplementary cards) to customers under the age of 18.
Derived questions:
What are the conditions for commercial banks to open credit cards? (1) The company has good corporate governance, and its main prudential supervision indicators comply with the relevant regulations of the China Banking Regulatory Commission. It has an organizational structure and rules and regulations that are suitable for business development, and its internal control, risk management and accountability mechanisms are sound and effective; (2) It has a good reputation and a sound legal system. , effective internal control mechanism and case prevention and control system, and no major violations of laws and regulations or major malignant cases in the past three years; (3) Have directors, senior managers and qualified practitioners who meet the qualifications for office. The senior managers shall have at least one person with professional knowledge and management experience in the credit card business, have the necessary technical personnel and management personnel to carry out the credit card business, and fully implement hierarchical authorization management; (4) Have business operations that are suitable for business operations. Sites, related facilities and necessary information technology resources; (5) Business systems that comply with laws, regulations and business management requirements have been established within the country, and have the technical capabilities to ensure the information security and operation quality of relevant business systems;