1. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, and the cardholder can spend first and then repay;
2. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive.
If you want to apply for a credit card of a rural commercial bank, you can apply if you meet the credit card application conditions.
1. Credit card application conditions:
1, age18;
2. Urban and rural residents who have a fixed occupation and stable income and work in the place where their permanent residence is located;
3. Fill in the application form and sign at the "Signature of the Applicant".
Two, to apply for a credit card, you need to provide the following information:
1, copy of ID card, work certificate, income certificate, etc.
2. Provide bank deposit certificate, property certificate, degree certificate, etc.
3. In case of foreign household registration, overseas personnel applying for local jobs, and active military officers applying for credit cards in their own names, some card-issuing banks may require temporary household registration issued by local public security departments or certificates (including work certificates) issued by relevant departments.
Third, the credit card application is comprehensively evaluated by the system, and there are many reference factors, such as age, job stability, income, personal credit and so on, which are not determined by unilateral factors. Everyone's situation will be different, and it is difficult to compare with each other.
Fourth, in order to pass the comprehensive evaluation of the system and the judgment of the credit limit. Detailed application materials are as follows:
1. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the company official seal or personnel seal), or a copy of the work permit \ card verified and marked by the sponsor;
2. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.