1 Mobile banking application

You can log in to the mobile banking of the Agricultural Bank of China to apply, directly log in to the Agricultural Bank of China mobile banking, and then you can see the "reserve fund" in the "Credit Card" , click "Enter Now", and then click "Application for Quota". After that, you need to go through a credit check. After checking the credit report, you can formally apply.

2 Online banking application

You can directly log in to the Agricultural Bank of China’s online banking and apply on the “Credit Card” interface. You can find the credit card consumption reserve fund in "Instalment Management" and apply for it.

3 Customer service phone application

You can call the Agricultural Bank of China’s customer service hotline to apply. After applying to the Agricultural Bank of China’s customer service staff through manual service, the customer service staff will verify your identity. The information will be processed for you, just wait for review.

After the applied Agricultural Bank of China credit card consumption reserve fund is received, it also means that the business you handled has officially taken effect. Therefore, regardless of whether you use this consumption reserve fund, you must repay the principal every month. deposit and installment fees.

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the issuing bank name, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

The main features of credit cards:

①Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation within a certain range;

②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

③Credit cards are high-tech products that integrate financial services and computer technology.

④Credit cards can reduce the use of cash;

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥Credit cards can simplify collection Reduce payment procedures and save social labor;

⑦Credit cards can promote product sales and stimulate social demand.