1. Conditions required for applying for a convenience card:

1. Age: To apply for a convenience card, you must be 18 years old or older and must not be over 60 years old.

2. Applicants: General farmers, businessmen, urban residents, public officials, small and micro business owners and other natural persons can apply. Applicants must have full civil capacity. Usually, one family can only apply for one Convenience card.

3. Income requirements: To apply for a convenience card, you must have a stable source of income, so that rural commercial banks and rural credit cooperatives can ensure that the applicant has the ability to repay on time. And those merchants and small and micro business owners should be operating normally. When applying, you can provide more information that can prove your income, such as bank statements, real estate certificates or house purchase contracts, car driving licenses, etc.

4. Credit: The most important condition for applying for a convenience card is that your personal credit must be good and you must not have a bad credit record.

2. The brief process for applying for a convenience card is as follows:

1. Bring your ID card and a copy of your ID card, and tell the staff that you want to open an account and apply for a bank card;

2. The staff will issue a personal settlement account management agreement. After reading it, sign your name; 3. Fill out another personal card application form and give it to the bank staff;

4. Then enter the password on the cipher (the password must be remembered);

5. After confirming the password three times, the staff will issue the bank card.

Legal Basis

Article 5 of the "Bank Card Business Management Measures" Bank cards include credit cards and debit cards.

Bank cards are divided into RMB cards and foreign currency cards according to different currencies; they are divided into corporate cards (commercial cards) and personal cards according to the issuing objects; they are divided into magnetic stripe cards and chip (IC) cards according to different information carriers. )Card.

Article 6 Credit cards are divided into two categories: credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank.

A credit card refers to a credit card in which the card-issuing bank grants the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later.

A quasi-credit card means that the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank. credit card.

Article 7: Debit cards are divided into transfer cards (including savings cards, the same below), special cards, and stored-value cards according to different functions. Debit cards do not have overdraft capabilities.