How to apply for an Agricultural Bank of China credit card?

Bring your ID card and relevant information to an Agricultural Bank of China branch to apply for a credit card. Fill out the relevant form and submit it, and within fifteen working days, the information will be given to you, whether it is approved or not. If approved, a credit card will be mailed to you. After receiving it, activate it and you can use it.

Note: 1. The documents required when applying for a credit card vary from bank to bank and from period to period. But its main purpose is to require you to prove your ability and willingness to repay. Therefore, in most cases, proof of employment, income proof or bank statement (for more than six months, mainly to prove that you have a stable income), personal assets (such as real estate, cars, etc.).

2. The so-called "activation" is called differently by each bank. Its main function is to explain to the bank that the credit card has been received and the service can be started.

How to apply for an Agricultural Bank of China credit card? How to apply for an Agricultural Bank of China credit card?

1. The Agricultural Bank of China credit card processing methods include processing at the counter in the business hall and on the official website.

2. When applying at the counter of the business hall, the applicant must prepare ID card, financial certificate and other information, and go to the nearby Agricultural Bank of China branch to explain the card application requirements. The bank will have a dedicated salesperson. When applying on the official website, the applicant clicks to enter the credit card center on the homepage, selects the card type, and then fills in various application information according to the prompts on the page. After submitting the application, wait for review. If the review is passed, the card can be issued.

How to apply for a rural credit card credit card

Bring your ID card and rural credit union passbook to an offline business point to apply and fill in the application information;

Submit relevant information , such as a copy of the ID card, proof of personal financial resources, proof of creditworthiness, etc.;

After the credit card review information is submitted, the card can be issued within 15 working days under normal circumstances.

Extended information:

Rural Credit Cooperatives (English name RuralCreditCooperatives, Chinese abbreviation of Rural Credit Cooperatives, Rural Credit Cooperatives) refers to establishments approved by the Central Bank, composed of members holding shares, and implementing democratic management. Rural cooperative financial institutions that mainly provide financial services to members.

Rural credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy. In accordance with the provisions of national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them.

The relationship between the county federation and an individual credit union is equivalent to the relationship between the head office and the branch.

There is a county federation in a county. At first, the county federation was under the management of the Agricultural Bank of China; after 1996, it was under the control of the central bank; after 1999, the central bank gradually established prefecture (city) federations, and the county federation The cooperatives were again managed by prefectural (municipal) cooperatives; after 2003, the People's Bank of China withdrew, canceled the prefectural (municipal) cooperatives, and handed over the management of rural credit cooperatives to the provincial government. The provincial government established the provincial cooperatives. The provincial federation is in charge of the county federation.

So far, from an economic and legal perspective, each county cooperative is equivalent to an independent bank (enterprise). The actual owner is the provincial government, and the county cooperatives in the province*** The provincial cooperatives were jointly invested in and established the provincial cooperatives, so the provincial cooperatives are actually the "sons" of the county cooperatives; from an administrative point of view, each county cooperative is an administrative department that manages credit unions, and the provincial cooperative is The highest administrative department, so the provincial federation is the "father" of the county federation. Because of their higher administrative status, the provincial federation has also become the actual manager of the county federation economically.

What should I do if I want to apply for an Agricultural Bank of China credit card? Need those things.

1. Application conditions for Agricultural Bank of China credit card

Any individual with full capacity for civil conduct and legal income can apply for a personal master card from Agricultural Bank of China with his or her valid identity document.

The main card applicant can also apply for a supplementary card for his parents, brothers, sisters, spouse or children, and for relatives who are over 16 years old. The validity period of the supplementary card is the same as that of the main card. The main cardholder has the right to request cancellation or stop payment of his/her supplementary card, and all transactions with the supplementary card will be credited to the main card account.

2. Materials required for Agricultural Bank of China credit card application

1. Identity certificate: copy of resident ID card or military officer certificate; if you are a compatriot from Hong Kong, Macao and Taiwan or a foreigner applying in the mainland , you also need to provide proof of employment.

2. Work and income certification materials: salary certificate, copy of social security (paid for more than half a year).

3. Supporting information for Agricultural Bank of China credit card application: academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificate, self-owned car driving license, telephone number, water, electricity, and gas of the current place of residence in the past three months. The original document of any fee, a copy of a time deposit certificate issued at the Agricultural Bank of China with an amount exceeding 10,000 yuan, etc.

Extended information:

Five tips for applying for Agricultural Bank of China credit card:

1. Stable career. Professionals such as civil servants, teachers, doctors, employees of Fortune 500 companies, and staff of public institutions.

2. Fixed residence. It is best to have a copy of the real estate certificate; sometimes you do not provide a copy of the real estate certificate. If you have a mortgage with a bank, the credit card reference center will also find it, which will help improve the success rate of credit card application.

3. Sustained and stable income. An annual salary of two to three hundred thousand or more will definitely help you apply for an Agricultural Bank of China credit card. Regarding income status, it is not that the higher the salary, the better! The credit reporting center generally follows the principles of income scoring: civil servants are better than ordinary people; large state-owned enterprises are better than other enterprises; sustained and stable middle income is better than unstable high income; bank card wages are better than cash wages.

4. Good historical credit record. Credit record plays an increasingly important role in the card application process. It mainly depends on your personal credit card usage/repayment information, loan information, and also includes personal telecommunications, water, electricity, gas and other payment information. A good credit history can ensure that you are approved by the Agricultural Bank of China's approval system.