To apply online, the first step of the system is to check your credit file. If it is not directly rejected by the system, you cannot enter the manual audit. Going to the counter is a manual preliminary examination and then checked at the credit card center.

Credit card application conditions: the cardholder who applies for a personal credit card master card must meet the following application conditions:

(1) A natural person who has reached the age of 18 and has full capacity for civil conduct.

(2) It has a good credit record and complies with the relevant provisions of the Bank on credit card management.

(3) Having lawful, sufficient and stable income or assets.

(4) Having a fixed residence, a stable job or a stable business place in China.

(5) If credit is granted according to the application score, the application score must meet the minimum requirements of the bank.

Individuals who have reached the age of 14 may apply to China Agricultural Bank for a supplementary credit card with the consent of the main cardholder.

Extended data:

(1) Units or individuals applying for credit cards must have a deposit account in the bank. The company that receives the company card must have a deposit account in the bank, and it is not necessary to open a special account for deposit when applying for a credit card;

Individuals who receive personal cards must open a special deposit account with the card issuer and provide a guarantor. When the cardholder cannot repay the credit card consumption debt, the guarantor must unconditionally assume the repayment responsibility.

(2) Credit card consumption or cash withdrawal. Generally, it shall not exceed the prescribed limit. The cardholder shall keep the balance in the deposit account in full for use, and allow goodwill overdraft when necessary. The card issuer will charge interest on the overdrawn funds; If the overdraft exceeds the prescribed time limit, the card issuer will cancel its credit card qualification.

(3) The credit card holder shall notify the card issuer in writing of the change of work or address; If you stop using the credit card halfway, you should return the credit card to the card issuer; If a credit card is lost, it shall be reported to the card issuer, and the economic losses caused by the card issuer before accepting the loss report shall be borne by the cardholder.

(4) Credit card holders can increase the credit card limit by swiping their cards.

Baidu Encyclopedia-Credit Card Application Form