Do rural credit cooperatives have credit cards?

Normally, most rural credit cooperatives do not have credit card services. However, some rural credit cooperatives have launched credit card services. If users want to apply for a rural credit cooperative credit card, they can first go to the local rural credit cooperative branch to consult to see if they can apply for a credit card.

In order for a bank to be qualified to issue credit cards, it must reach a certain scale and must be approved by the Banking Regulatory Bureau before it can issue cards. Rural credit cooperatives in China usually do not have the qualifications to issue credit cards. Rural credit cooperatives mainly use debit cards and quasi-credit cards. Although quasi-credit cards are also a type of credit card, they are different from the credit cards we often talk about. (Credit cards) There’s a big difference. The credit limit is usually not high, generally no more than 3,000 yuan. Therefore, if users want to apply for a credit card, it is best to apply for it at a commercial bank. In this way, there will be more card types to choose from, and the limit will be relatively large.

Of course, no matter which bank you apply for a credit card from. You must meet the bank's conditions for applying for a credit card. The difference between credit cards and ordinary debit cards is that there are certain thresholds for applying for credit cards. For example, applicants need to be over 18 years old, have a stable income, and have good personal credit. If users want to apply for a credit card, they can first consult the relevant bank.

How to apply for a rural credit card? Pay attention to these matters

In addition to banks, some rural credit cooperatives have also obtained credit card issuance qualifications and can provide credit card services to rural friends. However, because rural credit cooperatives are relatively niche, the threshold for issuing credit cards may be slightly higher. Gao, let’s take a look at how to apply for a rural credit card.

In fact, whether you apply for a rural credit card from a bank or a credit union, you must meet the basic card application conditions:

1. Be 18 years or older and have full civil capacity;

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2. Have legal and stable sources of income and good credit;

3. The work unit or fixed residence is at the location of the card issuer.

4. Have good credit and no bad credit record.

Those who meet the above conditions can apply to the card issuer with their valid identity documents and relevant information. The relevant information mentioned here includes credit card application forms, income certificates stamped with the official seal of the unit, bank statements, and some financial documents such as real estate and cars.

In addition, if you want to successfully apply for a card, application channels are also a key factor. Many credit unions’ rural credit cards have opened online card application channels and branch card application channels. If you are qualified, there is generally no financial proof. , it is recommended to go to an outlet to apply for a card; if you have good qualifications and strong financial strength, it is recommended to apply directly to a counter outlet.

The above is the relevant introduction to "How to apply for a rural credit card". I hope it will be helpful to everyone. The last thing I want to say is that after submitting an application for a rural credit card, whether the card can be successfully issued is mainly based on the bank's approval results, and manual intervention is impossible. Those online hot-selling intermediaries that unconditionally handle high-value credit cards are not worthy of trust. Most of them are aiming to defraud money and information. In order to avoid being deceived, you must choose formal card application channels to apply for a card.

How to apply for a rural credit cooperative credit card

Credit card is a very common card. Many people are using credit cards for consumption, and nowadays, almost every bank has credit card business. Rural credit cooperatives are no exception. So how to apply for a rural credit cooperative credit card?

1. First fill out the credit card application form at the local rural credit cooperative service outlet

2. After completing the filling, submit relevant materials, including income certificate, work certificate, and personal identity. Original and copy of certificate.

3. After the credit card-related review materials are submitted, the card will generally be issued within fifteen working days. You can also call the rural credit cooperative hotline to check the credit card processing progress

4. You can also Enter the official website of the Rural Credit Cooperative, click on Credit Card Application, fill out the credit card application form, and then go to the local credit cooperative service agency to submit relevant materials

5. If you have a bank card from a Rural Credit Cooperative, you can download Rural Credit Cooperative Cooperative app, go to apply for a credit card through the credit card application section in the app

The above is an introduction to how to apply for a credit card from a rural credit cooperative. It should be noted that applying for a credit card from a rural credit cooperative must meet the following conditions: If you are 18 years old, you must have a valid identity certificate, proof of a stable job and income, and a certain ability to repay.

How to apply for a rural credit cooperative credit card?

How to apply for an Agricultural Bank of China credit card? There are several types of Agricultural Bank of China credit cards:

There are two main ways to apply for an Agricultural Bank of China credit card: online application and application at a business outlet:

1. Online application: Click on the credit card under the personal service section of the official website of the Agricultural Bank of China, select the credit card to be applied for, fill in the personal details, confirm that the information is correct and click confirm to submit. If the application passes the bank review, you can go to Go to the agreed outlet for an interview and get the card.

2. Application at business outlets: You can directly apply for a credit card by providing personal valid ID card, work certificate and other information at the business outlets of Agricultural Bank of China.

The best credit card to apply for is a bank credit card with a high credit limit:

1. Meituan co-branded credit card

Meituan co-branded credit card is Meituan’s joint credit card with banks from various places, focusing on “ A standard credit card product issued with rights and interests in various life consumption scenarios, which combines Meituan’s big data, intelligent model and other advantages with the bank’s accumulated experience and advantages in funds, full-process risks, etc., through “online "Local customers, local life, local finance" are provided with characteristic and differentiated financial services to meet the real needs of users under "lower" consumption scenarios.

The limit of Meituan co-branded credit card is generally 1,000-50,000 yuan, and the maximum limit is 50,000 yuan. (Click to apply online)

Card holders can enjoy the "early adopter privilege" rights of the Meituan platform. The points spent by swiping the card can be automatically converted into Meituan pocket money and used as cash on the platform every day at the standard of 10 yuan/1 pocket money. Within 90 days of card issuance, Meituan will receive an immediate discount of RMB 6 for the first payment made each day.

2. Bohai Bank Credit Card

The Bohai Bank Self-Travel Platinum Card is relatively easy to get approved. The Freedom Card is a travel-themed credit card launched by Bohai Bank. Classic platinum card products mainly customized for those who pursue the ultimate cultural, sports and food experience. After applying for the card, the review result will be available within 30 minutes. If the review is passed, you will receive a text message reminder.

Bohai Bank’s credit card limit: Bohai Bank’s regular card limit is 1,000-10,000, the gold card limit is 10,000-50,000, and the platinum card limit is more than 50,000. (Click to apply online)

3. Shanghai Pudong Development Bank Credit Card

The Shanghai Pudong Development Bank Credit Card is pretty good. Pudong Development Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free.

1. Ordinary card level. The initial limit range of Shanghai Pudong Development Bank's credit card general card level is generally between 1,000 yuan and 10,000 yuan. (Click to apply online)

2. Gold card level. The initial limit of the gold card of Shanghai Pudong Development Bank Credit Card will be relatively high, generally between 10,000 yuan and 50,000 yuan.

3. Platinum card level. The initial limit of Shanghai Pudong Development Bank's platinum credit card is generally more than 50,000 yuan.

4. High-end platinum card level. High-end Platinum Card, commonly known as Da Platinum. The initial limit of Pudong Development Bank’s high-end Platinum Credit Card is generally more than 100,000 yuan, with a maximum of no more than 500,000 yuan.

That’s it for the introduction of rural credit cards.