Conditions for applying for a convenience card from rural credit cooperatives:

1. Age: If you want to apply for a convenience card, you must be over 18 years old, and generally not over 60 years old.

2. Applicable groups: Not everyone can apply for a convenience card. Generally, only farmers, merchants, urban residents, public officials, small and micro business owners and other natural persons can apply, and applicants must Must have full capacity for civil conduct. Usually, a household can only apply for one convenience card.

3. Economic income situation: 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 applicants have the ability to repay on time. And those merchants and small and micro business owners must also operate normally.

4. Personal credit: The most important condition for applying for a convenience card is that the personal credit must be good and there must be no bad credit record.

The limit of the Rural Credit Cooperative Convenience Card:

According to the individual's assets, income and business conditions, the loan limit can be applied for up to 500,000 yuan (inclusive).

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", read it, and sign it. (3) Fill out another "Application Form for Opening a Personal Card" and give it to the bank staff. (4) Then enter the password on the cipher. (5) The staff will issue the bank card.

Credit union convenience cards can be increased in limit. The credit card limit is given by the bank based on the comprehensive score of the information submitted by the applicant. The reference items include age, gender, unit, income, position, housing, education, and marriage. , real estate, professional titles, credit records, personal financial assets and other items, one score segment corresponds to one result, from not approved to approved, from low limit to high limit. After using the credit card for a period of time, you can also apply to increase the limit.

Several ways to increase credit card limit:

1. Frequency of use: Frequent use of credit cards, regardless of the amount, as long as the card can be swiped, it will definitely be swiped.

2. Amount: It is best to produce monthly bill consumption that is at least 30% of the total amount.

3. The bill for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.

Advantages of the Rural Commercial Bank Convenience Card

1. In addition to all the functions of a debit card, it also has a loan function. \2. Compared with credit cards (credit cards), it has the following advantages: A. Large credit limit. The maximum limit of the convenience card is 500,000 yuan. B. Low interest rates. The loan interest rate of the card issuer for the same period and grade will be implemented. C. Low cost. The convenience card fully follows the debit card (deposit card) charging standards without any other surcharges. D. It is convenient to withdraw cash, and you can withdraw cash in full. E. The procedure is simple. F. With the card, you can apply for loans and repayments anytime and anywhere at the counters of more than 4,000 rural credit cooperative outlets. In the future, self-service loan channels such as ATM machines will be opened one after another.