Bring my ID card, passbook of rural credit cooperatives, etc. Apply to the offline business hall and fill in the application materials;

Submit relevant information, such as a copy of ID card, personal financial certificate, credit certificate, etc.

After the credit card audit data is submitted, the card can be issued within 15 working days under normal circumstances.

Extended data:

RuralCreditCooperatives (rural credit cooperatives in English, abbreviated as rural credit cooperatives in Chinese) refers to a rural cooperative financial institution established with the approval of the central bank, which is composed of members' shares, implements democratic management and mainly provides financial services for its 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 combat+++.

The relationship between county associations and individual credit cooperatives is equivalent to that between head offices and sub-branches.

There is a county association in a county. At the beginning, the county association was managed by the Agricultural Bank of China; 1996 and then returned to the central bank; After 1999, the central bank gradually established prefecture (city) associations and county associations returned to prefecture (city) associations. After 2003, the People's Bank of China withdrew, canceled the local (city) union, and handed over the management right of rural credit cooperatives to the provincial government, which established the provincial union, which was in charge of the county union.

So far, from the economic and legal point of view, each county association is equivalent to an independent bank (enterprise), the actual owner is the provincial government, and the county associations in the province jointly invested to form the provincial association, so the provincial association is actually the "son" of the county association; Administratively, each county association is the administrative department in charge of credit cooperatives, and the provincial association is the highest administrative department, so the provincial association is the "Lao Zi" of the county association. Because of its high administrative status, the provincial association has become the actual manager of the county association economically.

What are the requirements for applying for a credit card of a rural credit cooperative?

Rural credit cooperatives credit card application conditions:

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.

RuralCreditCooperatives (rural credit cooperatives in English) refers to a rural cooperative financial institution established with the approval of the People's Bank of China, which is composed of members' shares, implements democratic management and mainly provides financial services for its 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 combat+++.

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 standardize rural funds, support agricultural production and comprehensive rural development, support members' various forms of cooperative economy and family economy, and limit and crack down on++. [ 1]

How to handle the credit card of rural credit cooperatives

Credit card is a very common card, and many people use it to spend money. Now, almost every bank has credit card business, and rural credit cooperatives are no exception. So how to handle the credit card of rural credit cooperatives?

1. First, fill in the credit card application form at the local rural credit cooperative service outlets.

2. Fill in the form and submit relevant materials, including income certificate, work certificate, original and photocopy of my ID card.

3, credit card related audit data submitted, generally within fifteen working days can be issued, you can also call the rural credit cooperatives hotline to check the progress of credit card processing.

4. You can also go to official website, a rural credit cooperative, click on the credit card application, fill in the credit card application form, and then submit relevant materials to the local credit cooperative service organization.

5. If you have a bank card of a rural credit cooperative, you can download the rural credit cooperative app and enter the application for a credit card through the application for credit card column in the app.

The above is the introduction of how to handle the credit card of rural credit cooperatives. It should be noted that applying for a credit card of a rural credit cooperative must meet the following conditions: at least 18 years old, holding valid identity documents, having a stable job and income certificate, and having certain repayment ability.

Do rural credit cooperatives have credit cards?

Rural credit cooperatives have credit cards. According to the relevant regulations of the state, rural credit cooperatives can handle debit cards and credit cards. But not all rural credit cooperatives have opened credit card business, so if users want to apply for a credit card of rural credit cooperatives, they need to ask in advance. If a bank wants to issue a credit card, it needs to have a certain scale and get the approval from the CBRC before it can issue it. Most rural credit cooperatives in China are small in scale and the amount of funds is not too large.

Brief introduction of rural credit cooperatives

The full name of RuralCreditCooperatives is rural credit cooperatives, and its English name is rural credit cooperatives, which can also be abbreviated as rural credit cooperatives. Rural credit cooperatives refer to rural cooperative financial institutions approved by the central bank. Rural credit cooperatives mainly serve rural economic development. There are many departments of rural credit cooperatives, among which the Credit Department of rural credit cooperatives, the Rural Credit Cooperatives Training School of Zheng Tong and the International Finance Department of rural credit cooperatives are the four departments directly led by the higher authorities.

Credit card activation steps of rural credit cooperatives

There are three ways:

Activate through the counter of the bank where the credit card is located. After selecting the corresponding language, please enter the cardholder's++and inquiry password; Call the credit card service phone on the calling card to activate;

Log in to credit card online banking and activate online. You need to show me and the original ID card, and press # to confirm; According to the voice prompt, select the card activation option under the menu of "Credit Card Activation and Password Management"; Enter the last 3 digits printed after the signature column on the back of the cardholder's credit card.

Service telephone activation method: dial the 24-hour customer service hotline displayed on the back of the credit card and swipe the card; Enter the cardholder's home phone number, and then press # to confirm; Enter 6 digits as the cardholder's transaction password and press # to confirm; Enter the 6-digit transaction password again and press # to confirm; The transaction password was set successfully.

Institutional nature of rural credit cooperatives

Rural credit cooperatives are banking financial institutions. The so-called banking financial institutions are also called deposit institutions and deposit currency banks. Their common feature is that deposits are the main liabilities, loans are the main assets, and transfer settlement is the main intermediary business, which directly participates in the creation process of deposit currency.

Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions whose main purpose is mutual assistance, referred to as "credit cooperatives", which carry out deposit and loan business among members for the purpose of mutual assistance and self-help. The establishment of credit cooperatives is directly related to the development of natural economy and small commodity economy.

Due to the seasonal, decentralized and small-scale characteristics of agricultural producers and small commodity producers, it is difficult for small producers and farmers to get the support of bank loans, but objectively, the development of production and circulation must solve the difficulty of insufficient funds, so this kind of mutual aid self-help credit organization established by means of capital contribution and deposit has emerged.

Rural credit cooperatives are cooperative financial organizations composed of farmers' shares, which are democratically managed by shareholders and mainly serve them. They are legal financial institutions approved by the People's Bank of China. Rural credit cooperatives are an important part of China's financial system. Their main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development.

How to handle the credit card of rural credit cooperatives

1. First, fill in the credit card application form at the local rural credit cooperative service outlets.

2. Fill in the form and submit relevant materials, including income certificate, work certificate, original and photocopy of my ID card.

3, credit card related audit data submitted, generally within fifteen working days can be issued, you can also call the rural credit cooperatives hotline to check the progress of credit card processing.

4. You can also go to official website, a rural credit cooperative, click on the credit card application, fill in the credit card application form, and then submit relevant materials to the local credit cooperative service organization.

5. If you have a bank card of a rural credit cooperative, you can download the rural credit cooperative app and enter the application for a credit card through the application for credit card column in the app.

This is the result of the introduction of credit cards and credit card phone numbers by rural credit cooperatives. I wonder if you have found the information you need from them?