If a farmer has a formal job in addition to farming, he can apply for a credit card.

Summary of farmers’ application for credit cards:

In fact, most farmers are not able to apply for credit cards because the annual income of farmers who make a living by farming is not stable due to the climate. When crop failure occurs due to factors or pests and diseases, income is significantly reduced. Based on this situation, banks will classify farmers as people with unstable incomes and refuse to approve credit cards;

Some farmers can also apply for cards. With the advancement of agricultural planting technology, the development of anti-disease and insect pest drugs, and the promotion of high-quality crops, farmers' incomes are also increasing, and their ability to resist agricultural disasters has been greatly improved. On the other hand, with our country's strong support for the development of agriculture, farmers' living standards have improved significantly. In recent years, more than half of farmers' families have been equipped with cars and have purchased buildings in the county. If farmers have houses and cars, they can use them as Proof of financial resources when applying for a credit card; if you have large agricultural machinery such as a combine harvester, you can use this as collateral to apply for a card through a guarantee.

When applying for a credit card in a farmer’s name, you should consider your own specific circumstances.