The Agricultural Bank of China is one of the four major state-owned commercial banks in my country. It has the widest coverage and the largest number of business outlets in China, and the coverage rate of computer online outlets exceeds 99%. Since the bank card business was launched in 1991, the business has developed rapidly, forming a relatively complete Jinsui card product system including credit cards, credit cards, and debit cards, fully meeting the needs of people from all walks of life. The international card acquiring business launched in 1996 has also achieved very rapid development, with contracted merchants covering all large and medium-sized cities in China. Agricultural Bank of China Golden Harvest Card adheres to the concept of "serving the society, starting from the heart" and will win the trust of cardholders and merchants with more thoughtful, meticulous, honest and efficient services.
Relying on advanced electronic means, the "Golden Harvest Card" has formed a service network covering the whole country with cities as the center. It has entered into the people's daily necessities and become an indispensable means of payment, settlement and financial management. tool. In 2004, the bank card business achieved leapfrog development, with a significant increase in market share, increasingly perfect product functions, good growth in various business indicators, and exponential growth in operating efficiency. Bank card issuance volume, deposit balances, and inter-bank transaction volume all ranked first in the industry. one. By the end of 2004, the number of cards issued had reached 180 million, and bank card business revenue had increased significantly, reaching 3.8 billion yuan.
Product definition:
The Agricultural Bank of China Golden Harvest Credit Card (quasi-credit card, hereinafter referred to as the Golden Harvest Credit Card) is a RMB credit payment instrument issued by our bank. It has the functions of depositing and withdrawing cash, It has functions such as transfer settlement and consumption, and can enjoy certain overdraft facilities according to the regulations of the card issuing bank.
Golden Harvest Credit Cards are divided into gold cards and ordinary cards according to different credit levels, and are divided into corporate cards and personal cards according to different issuing objects.
Product functions:
1. It has functions such as cash deposit and withdrawal, transfer settlement and consumption.
2． Currently only available for use within the territory of the People's Republic of China and the People's Republic of China.
Card issuance target:
1. Personal card: Individuals with legal income and full capacity for civil conduct can apply for personal cards. The main cardholder of the personal card can apply for supplementary cards for individuals who are over 18 years old and have full capacity for civil conduct. The number of supplementary cards shall not exceed 2 open.
2． Organization card: Any organization that opens a basic deposit account in a financial institution within the People's Republic of China and the People's Republic of China can apply for an organization card with an account opening license issued by the People's Bank of China. A maximum of 6 organization cards can be applied for. The cardholder shall be The legal representative of the applicant unit or its authorized agent shall be designated in writing.
Articles of Association of the Agricultural Bank of China Golden Harvest Credit Card
Article 1 The Agricultural Bank of China Golden Harvest Credit Card (quasi-credit card, hereinafter referred to as the Golden Harvest Credit Card) is a RMB credit card issued by the Agricultural Bank of China A payment tool that has functions such as depositing and withdrawing cash, transfer settlement and consumption, and can enjoy certain overdraft facilities according to the regulations of the card issuing bank. Jinsui Credit Card can be used within the People's Republic of China and the People's Republic of China.
Article 2: Golden Harvest Credit Cards are divided into gold cards and ordinary cards according to different credit levels, and are divided into corporate cards and personal cards according to different objects of issuance.
Any unit that opens a basic deposit account in a financial institution within the People's Republic of China and the People's Republic of China can apply for an unit card with an account opening license issued by the People's Bank of China. A maximum of six unit cards can be applied for. The cardholder shall be designated or canceled in writing by the legal representative of the applicant unit or his authorized agent. All corporate card transaction amounts will be credited to the corporate card account, and the applicant is responsible for the transactions resulting from all corporate cards it applies for.
Individuals with legal income and full capacity for civil conduct can apply for a personal card. The main cardholder of the personal card can apply for a supplementary card for individuals who are over 18 years old and have full capacity for civil conduct. There must be no more than two cards, and the validity period is the same as that of the main card. The main cardholder has the right to request cancellation or stop payment of its supplementary card. All transactions with supplementary cards will be credited to the main card account, and the main cardholder will be responsible for the transactions incurred by his supplementary card.
Article 3: When applying for a Golden Harvest Credit Card, organizations and individuals must open a reserve account with the card-issuing bank. Funds in the corporate card account must be transferred and deposited from the basic deposit account, and sales revenue is not allowed to be deposited into the corporate card account; funds in the personal card account can only be deposited with cash held by the company or with salary payments, belonging to the individual Legal labor remuneration, investment returns and other income are transferred and deposited.
The minimum amount of reserve fund is: 20,000 yuan for corporate gold cards and 10,000 yuan for corporate ordinary cards; 2,000 yuan for individual gold cards and 1,000 yuan for individual ordinary cards. There is no limit to how many deposits you can make, and you can renew your deposits at any time. Interest on deposits shall be calculated in accordance with the deposit interest rates and interest calculation methods for the same period and grade prescribed by the People's Bank of China. Personal income tax on savings deposit interest income shall be withheld and paid on deposits in personal card accounts according to the tax rate prescribed by the tax authorities.
Article 4: Organizations and individuals applying for the Golden Harvest Credit Card must fill in the application form and sign a written agreement with the card-issuing bank. The card issuing bank decides whether to approve the application based on the applicant's credit status. After the application is approved, the card issuing bank will determine the overdraft limit for the applicant, and may adjust the overdraft limit based on changes in the cardholder's card usage and credit status.
Article 5: When an individual applies for a Golden Harvest Credit Card, the card issuer may decide whether the applicant needs to provide guarantee based on the applicant’s credit status. The guarantee methods are divided into guarantee guarantee, pledge guarantee and mortgage guarantee. The guarantor should sign a guarantee contract with the card issuing bank.
Article 6 The Golden Harvest Credit Card is valid for two years. It will automatically expire after the expiration date. However, the creditor's rights and debts incurred by the cardholder's use of the Golden Harvest Credit Card will remain unchanged, and the joint and several liability of the guarantor will remain unchanged. . Customers who apply for the Golden Harvest Credit Card need to pay an annual fee, and the two-year annual fee must be paid in one lump sum. If you cancel the card midway, the annual fee will not be refunded.
The validity period of the Golden Harvest Credit Card expires. If the cardholder wants to continue using it, he or she can go to the card-issuing bank to get a new card. Renewing a new card requires paying the annual fee again, and the charging standards are the same as for the new card. If the cardholder does not intend to continue using the Golden Harvest Credit Card, he must return the Golden Harvest Credit Card to the card-issuing bank and apply for account cancellation. If the cardholder does not exchange for a new card 6 months after the expiration of the validity period, the card issuer has the right to cancel the card.
Article 7 When the cardholder handles payment transactions with the Golden Harvest Credit Card at the business institutions or financial equipment designated by the Agricultural Bank of China, if a password is used, the card issuer will treat it as belonging to the cardholder himself. Therefore, the electronic information records generated are valid vouchers for the transaction; if no password is used, the cardholder must present his or her valid identity document in accordance with the card issuing bank's regulations, and the transaction voucher signed by the cardholder shall be the transaction voucher. valid credentials. The unit card is not allowed to withdraw cash, and is not allowed to be overdrafted when used for settlement of commodity transactions and labor supply payments.
When applying for cash deposit without card, the depositor needs to present his or her valid ID and fill in the deposit receipt. The card issuing bank shall enter the account based on the card number filled in by the depositor. Any capital losses caused by the depositor filling in the card number incorrectly shall be borne by the depositor.
Article 8: Cardholders can withdraw cash from ATMs with their Jinsui credit card and password. The cumulative amount of cash withdrawals per card per day shall not exceed 5,000 yuan, and the number of cash withdrawals shall not exceed 5 times. When a cardholder deposits cash at an ATM, it will be credited to the bank's account after verification.
Article 9: Cardholders can check account balances and transaction details at local acceptance outlets or financial facilities, or through telephone banking, online banking, etc. If the cardholder raises questions about the account, the card issuing bank will respond within 30 days.
Article 10: Cardholders may overdraft within the overdraft limit approved by the card issuer. The maximum overdraft period is 60 days. The overdraft interest is calculated based on the daily interest rate of 5/10,000. The interest is calculated from the card bank's accounting date. The interest is charged monthly and is adjusted in accordance with the interest rate adjustment of the People's Bank of China.
The order in which cardholders repay overdrafts is overdraft interest and overdraft principal. If you fail to repay the overdraft for more than 60 days, the card issuer has the right to cancel your qualification to use the Golden Harvest Credit Card and recover the principal and interest owed in accordance with the law. If you maliciously overdraft or use your credit card to commit fraud, the card issuer will submit it to the judicial authorities for criminal liability.
Article 11 If a Jinsui credit card is lost or stolen, the cardholder should promptly report the loss by phone or in writing. The loss report will take effect immediately after the relevant procedures are completed. The cardholder is not responsible for the financial losses caused by the fraudulent use of the Jinsui Credit Card after the loss report takes effect. After reporting the loss over the phone, the cardholder should promptly complete the written loss reporting procedures. Only after completing the written loss reporting procedures can the cardholder obtain a new card. If the cardholder forgets his or her password, he or she should go to the designated branch of the card issuing bank to update the password.
Article 12: The cardholder can cancel the account after settling all transaction amounts, overdraft principal and interest and related fees. If a Jinsui credit card is lost or stolen, the cardholder can only cancel the account after completing the written loss reporting procedures. When canceling the account, the funds in the unit card account should be transferred to its basic deposit account, and no cash withdrawal is allowed.
Article 13: Cardholders should properly keep their Jinsui credit card password to prevent leakage. All Jinsui credit card transactions with matching passwords are considered legitimate transactions. The cardholder shall be responsible for any losses caused by the loss of password. Cardholders are not allowed to refuse to pay the amount owed to the card issuer on the grounds of disputes with special merchants.
Article 14 The Golden Harvest Credit Card and its account can only be used by the legal cardholder himself and may not be transferred or lent. Otherwise, the cardholder shall be responsible for any resulting financial losses. If the cardholder's work unit, address, telephone number or ID number changes, the card issuer must be notified in writing. The cardholder shall be responsible for any losses caused by untimely notification.
Article 15: The card-issuing bank formulates the charging standards for Golden Harvest Credit Cards in accordance with relevant national regulations. The cardholder’s signing of a usage agreement with the card-issuing bank indicates acceptance of the standards.
Article 16 If the Golden Harvest Credit Card is temporarily unavailable due to force majeure or communication reasons, the card issuing bank shall not bear relevant responsibilities; the card issuing bank shall have the right to correct any accounting errors caused by force majeure or communication reasons.
Article 17 The ownership of the Golden Harvest Credit Card belongs to the card issuing bank. The card issuing bank may, based on the actual situation, cancel the cardholder’s right to use the Golden Harvest Credit Card, recover the amount owed, and may also authorize relevant banks and special agents to The merchant took back the Jinsui credit card.
Article 18: This Article is formulated, interpreted and modified by the Agricultural Bank of China, and shall be implemented after approval by the People's Bank of China. The modification shall be binding regardless of whether the cardholder is aware of it or not.
Attachment: Charging Standards for Golden Harvest Credit Card (Quasi Credit Card)
Charging Standards for Golden Harvest Credit Card (Quasi Credit Card)
Charging Items
p>Charging standards
Remarks
Annual fee
Gold card 80 yuan/year, ordinary card 20 yuan/year
A fee will be charged when the card is opened and when the card is replaced after the validity period
The production fee
10 yuan for non-color photo cards and 50 yuan for color photo cards
Card opening, replacement, A handling fee of RMB 50 will be charged when replacing the card.
A handling fee of RMB 50 will be charged when the card is replaced. A handling fee of RMB 50 will be charged when reporting the loss in writing. A handling fee will be charged when the written loss report is made by phone.
Counter
Counter
Transaction
Transaction
Cash withdrawal from other places
1% of the transaction amount
Minimum 1 yuan
Remote deposit
5‰ of transaction amount
Minimum 1 yuan, maximum 100 yuan
Off-site transfer expenditure
5‰ of the transaction amount
Minimum 10 yuan, maximum 300 yuan
Off-site transfer deposit
Transaction amount 5‰
Minimum 1 yuan, maximum 100 yuan
A
T
M
Take
p>Cash
Withdraw cash from local inter-bank ATMs
2 yuan/transaction
Withdraw cash from local ATMs in other places
1% of the transaction amount/transaction
Minimum 1 yuan
Cash withdrawal from inter-bank ATMs in other places
(1% of the transaction amount + 2 yuan)/ Pen
Note: Off-site refers to areas outside the card city.
Note: The specific business types, handling procedures, handling conditions, etc. are subject to the relevant regulations of the local branch of Agricultural Bank of China.