1, adults living in China;

2. Have a certain repayment ability, preferably a stable source of income;

3. Have a stable work certificate, and it is best to provide proof of income and social security;

4. Being able to provide valid personal identification;

5. Personal credit record is good.

Debit card, also known as savings card, refers to a bank card without overdraft function. Credit cards are also called credit cards, overdraft card. Refers to the credit card that the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. According to the credit card level, it is divided into ordinary card and gold card. The amount of ordinary card is 5000-20000 yuan, and the minimum amount of gold card is 1000-50000 yuan. Micro-credit cards are used for loans and can be repaid as you borrow them. Micro-credit card is a financial payment tool issued by small rural loan customers in new countryside. In addition to the basic functions of debit card shopping, transfer settlement, cash deposit and withdrawal, it also has the function of rural microfinance, with the maximum amount not exceeding 30 thousand yuan.

Credit card application materials of rural credit cooperatives:

1, copy of ID card, work certificate, income certificate, etc.

2. Bank deposit certificate, property certificate, degree certificate, etc. ;

3. If you have a foreign household registration, overseas personnel apply for a job locally, and active military officers apply for a credit card in their own name, some card-issuing banks may require you to issue a temporary account issued by the local public security department or a certificate (including a work certificate) issued by relevant departments.

4. Other conditions required by the issuing bank. It takes about 15-25 days to apply for a credit card of rural credit cooperatives.

Bank card processing flow of rural credit cooperatives:

1. Bring your ID card and a small amount of cash to the bank branch;

2. Fill in the form with the assistance of the staff in the bank lobby;

3. Take the number and queue up, and the staff will assist in copying the ID card;

Call the counter, go to the counter and give the completed form and ID card to the bank teller. You need to sign and enter your password when you apply for a card. The password is six digits. Remember after setting, this is the password for withdrawal in the future;

5. You will get a bank card upon completion. If you apply for online banking at the same time, you will also get a U shield;

6. Fill in the card and leave with your own things.

Legal basis:

Article 41 of the Measures for the Administration of Bank Card Business: The issuing bank shall carefully examine the credit status of the credit card applicant and determine the effective guarantee and guarantee method according to the credit status of the applicant. The issuing bank shall regularly review the credit status of credit card holders and adjust their credit limit according to the changes of credit status.