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.

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 are applying 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;

p>

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 apply for a card smoothly, 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 card credit card

Bring your ID card and rural credit union passbook to an offline business point to apply and fill in the application information;

Submit relevant information , such as a copy of ID card, proof of personal financial resources, proof of creditworthiness, etc.;

After the credit card review information is submitted, the card can be issued within 15 working days under normal circumstances.

Extended information:

Rural Credit Cooperatives (English name RuralCreditCooperatives, Chinese abbreviation of Rural Credit Cooperatives, Rural Credit Cooperatives) refers to establishments approved by the central bank, composed of members as shareholders, and implemented democratic management. Rural cooperative financial institutions that mainly provide financial services to members.

Rural credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy. In accordance with the provisions of national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them.

The relationship between the county federation and an individual credit union is equivalent to the relationship between the head office and the branch.

There is a county federation in a county. At first, the county federation was under the management of the Agricultural Bank of China; after 1996, it was under the control of the central bank; after 1999, the central bank gradually established prefecture (city) federations, and the county federation The cooperatives were again managed by prefectural (municipal) cooperatives; after 2003, the People's Bank of China withdrew, canceled the prefectural (municipal) cooperatives, and handed over the management of rural credit cooperatives to the provincial government. The provincial government established the provincial cooperatives. The provincial federation is in charge of the county federation.

So far, from an economic and legal perspective, each county cooperative is equivalent to an independent bank (enterprise). The actual owner is the provincial government, and the county cooperatives in the province*** The provincial cooperatives were jointly invested in and established the provincial cooperatives, so the provincial cooperatives are actually the "sons" of the county cooperatives; from an administrative point of view, each county cooperative is an administrative department that manages credit unions, and the provincial cooperative is The highest administrative department, so the provincial federation is the "father" of the county federation. Because of their higher administrative status, the provincial federation has also become the actual manager of the county federation economically.

The steps to apply for a card at a rural credit cooperative, in detail

The process for applying for a bank card at a rural credit cooperative:

1. Bring your ID card and a small amount of cash Go to the bank branch

2. Fill in the form with the assistance of the bank lobby staff

3. Queue up to get the number, and at the same time copy the ID card with the assistance of the staff

4. Call the number at the counter, go to the counter, and hand the completed form and ID card to the bank teller. When applying for the card, you will need to sign and enter a password. The password is a six-digit number. You need to remember this after setting it. This is the password for future withdrawals

5. After all the procedures are completed, you will get a bank card. If you handle online banking at the same time, you will get a USB shield at the same time

6. Complete the card application , just take your belongings and leave

Extended information:

1. There are generally three types of cards in rural credit cooperatives: debit cards, credit cards, and credit cards.

1. Debit card Debit card, also called savings card, refers to a bank card that deposits first and then consumes (or withdraws cash) without overdraft function.

2. Credit cards are also called credit cards and overdraft cards. It refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. According to the credit card limit, there are regular cards and gold cards. The limit for regular cards is 5,000-20,000 yuan, and the minimum limit for gold cards is 10,000-50,000 yuan.

3. The card is used for lending. You can borrow and lend at any time. The card is a financial payment instrument issued to the majority of small-amount rural loan customers in new rural areas. In addition to the basic functions of a debit card such as shopping and consumption, transfer settlement, and cash deposits and withdrawals, it also has the function of small-amount agricultural loans. The maximum limit does not exceed 300,000. Yuan.

2. Applicants need to meet the following basic conditions:

1. The applicant is over 18 years old

2. Has a certain repayment ability

3. Have a stable job and income, and be able to provide proof of income or social security certificate

4. Be able to provide valid proof of identity