Conclusion: The online banking services of rural credit cooperatives currently do not support online activation, and users need to go to the counter in person to handle relevant procedures. The following is a detailed description of several main services provided by rural credit cooperatives:

First, for personal housing loans, China Construction Bank provides loan services to residents who purchase, build or overhaul houses, including self-employed individuals Housing loans, provident fund loans and portfolio loans. The minimum down payment ratio for customers purchasing their first home is 30%, and the interest rate will be adjusted based on personal credit status and repayment ability.

In terms of credit card business, China Construction Bank has issued various types of dragon cards, such as prestigious school cards, business cards, car cards, etc., to meet the needs of different consumers. Silver Star International Quick Remittance is an international remittance service cooperated by the bank and Silver Star International Quick Remittance Company to conveniently and quickly handle personal cross-border remittances and fund transfers.

Although rural credit cooperatives have limited online banking capabilities, counter services include the application and management of consumer credit and credit card services, such as the use of prepaid wallet debit and credit cards, reserve fund management and overdraft processing wait. It is worth noting that deposits and purchases are usually settled in RMB, and credit cards may require annual fees and interest.

In general, although it is currently not feasible to open online banking for rural credit cooperatives online, offline counters provide a wealth of financial services, including loans, credit cards, and fund management. If you need to apply, it is recommended to go directly to the counter to inquire about the relevant procedures.