Agricultural Bank of China credit card passed preliminary review

How long does it take to get the card after being approved by the Agricultural Bank of China credit card?

For different types of Agricultural Bank of China credit cards, the bank will choose different mailing methods, which also vary depending on the distance from where you live. relationship, so the time to receive the card is also different:

1. For general-level credit cards, Agricultural Bank of China will send them by registered mail, and they can be delivered within 7-15 working days.

2. Platinum cards and set cards of Agricultural Bank of China will be sent by EMS express and will be delivered in 3-5 working days.

If the credit card approval of the Agricultural Bank of China has been approved, the card must be issued centrally first. This process takes two or three days, and then the mailing time usually takes about 15 days, and then you can get the credit card. Regarding the mailing process, you can check online or by phone.

Agricultural Bank of China credit card review process:

1. The applicant submits relevant information to the bank or submits information online, such as ID card or military officer's certificate, financial certificate, employment certificate, Proof of income, etc.

2. The bank will review the information submitted by the applicant, mainly to see whether the information submitted by the applicant is true.

3. The bank checks the applicant's personal credit report. If the personal credit is not good, the bank will refuse to give the applicant an Agricultural Bank of China credit card.

4. Applicants who apply online have an interview process to verify whether the applicant’s identity is true and to verify certain circumstances.

5. After the bank’s review is correct, it will issue a card to the applicant and then send it by registered letter to the address provided by the applicant

Overdraft limit

1. The maximum overdraft limit for the Agricultural Bank of China Credit Card Personal Card is RMB 50,000 (including the equivalent in foreign currencies),

2. The overdraft limit for the Agricultural Bank of China Credit Card Gold Card is RMB 200,000,

3. The minimum overdraft credit limit of the Platinum Card is RMB 100,000, and the maximum overdraft credit limit is RMB 1 million.

4. For commercial cards, the maximum overdraft limit for customers with comprehensive credit is 3, and the overdraft limit does not exceed RMB 3 million. If there is no comprehensive credit, the maximum overdraft limit is RMB 1 million.

The high and low overdraft limit of a credit card is also directly related to the relevant material information of the cardholder when applying. For example, personal income, real estate, vehicles, and personal work nature can be used as supporting materials to apply for a credit card, thereby limiting the upper limit of the credit card. The overdraft limit of the same credit card will continue to increase as the cardholder uses the credit card, and the overdraft limit will automatically increase within half a year or a year.

After passing the preliminary review of the Agricultural Bank of China credit card, you are required to go to the interview. What do you need to bring?

1. After the first review of the credit card, go to the interview point for the interview. You need to bring the original and copy of your ID card and proof of income.

2. Customers can submit some credit certification materials: such as a copy of the customer’s own property certificate, a copy of the vehicle’s driver’s license, a copy of time deposits for more than the first year, or a copy of the tax bill, which is specific to the outlet. Require.

3. The applicant applies for a credit card online, and the issuing bank obtains the customer's application information through the Internet, so it cannot be sure whether the application information submitted is that of the applicant himself.

Therefore, in order to meet regulatory needs, after the applicant applies through the Internet, the card-issuing bank will send a text message to the applicant to inform him that he has passed the first review and needs to hold his ID card to the issuing bank. Please perform facial signature at any point within the specified time.

Extended information:

Relevant information for credit card application:

(1) Identity information: Original and copy of my valid identity document.

(2) Income certification materials:

1. Salary records for the first three months issued by the bank;

2. Issued by the unit Proof of income;

3. Income tax withholding certificate;

4. Provident fund, pension insurance, medical insurance, unemployment insurance payment certificate;

5. Business operation Tax certificate, etc.

(3) Work certification materials: work permit (card), work contract, pass, etc.

(4) Asset certification materials:

1. Property rights certificate for self-owned residential and commercial houses; motor vehicle driving license;