As one of the four major banks, Agricultural Bank of China does not issue many types of credit cards and does not have an independent credit card business department. To apply for a credit card, you must either apply online or have a branch manager, and there are no card processing clerks (outsourcing).

Before applying for an Agricultural Bank of China card, it is necessary to thoroughly study its routines.

There is a keyword "rigid deduction limit" in the approval of agricultural credit cards. The specific explanation is that when the commercial bank approves and adjusts the credit limit, the applicant must be deducted from the total credit limit approved by the bank. The total cumulative credit limit of credit cards obtained from other banks.

Then, the formula for calculating this limit in Agricultural Bank of China is:

The maximum credit limit of Agricultural Bank of China = your annual income in the system record * N years - the total credit limit of other institutions

This annual income is not determined by the system if you fill it in casually. It must be certified, that is, the annual income can be checked through the qualification certificate you submitted or the tax payment system.

Usually a recommended credit limit for application scoring will be obtained.

The rigid deduction limit is the total cumulative credit limit of credit cards that the applicant has received from other banks. Therefore, based on this, the Agricultural Credit Card It must be the bank that applies first.

When you apply to more banks and have higher credit limits and more cards from other banks, the deduction limit will be very high.

Relatively speaking, your final credit limit will be lower after deductions, or even 0 or a negative number.

This is reflected in the approval result, which is instant rejection and insufficient overall score.

Since most people do not pay attention to the credit approval strategy of agricultural credit cards, many people do not apply from the first few lines, which will lead to a relatively low final application approval limit.

Each time after the 6+1 quota increase cycle, the upper limit of the increase is limited or will not be increased at all.

What’s more, there is no such thing as 6+1 now.

Every time you apply for a card, the credit is reviewed and checked independently. Although the quotas cannot be stacked, it will increase the rigid deduction quota, making your subsequent applications more difficult.

Each customer in the Agricultural Bank of China has a customer credit rating. If you are familiar with the bank staff, you can ask him to help you check your rating in the system.

This credit rating has four levels: ABCD.

Level A refers to those with less than 8 credit institutions and clean and high-quality credit records.

Level B is normal. There are no bad records,

Level C means there are a few bad records,

Level D is either a white account with no credit record, or a junk customer who is often overdue and has poor credit.

If you already have a card, it is very difficult to become a C-level customer to increase your credit limit. To become a D-level customer means that you are in a situation where your card will be reduced due to risk control. If you are a D-level customer who applies for a card, you will be directly blocked by the system. Refuse! !

For more than 8 lines of cards, no matter how excellent the qualifications are, they will be forced to be downgraded to B level.

Old farmers have special channels to deal with special matters, which can bypass the approval of the head office system. As long as there is a guarantee from an Agricultural Bank of China employee at the director level or above, it is possible to get a platinum card of more than 100,000 yuan~

Based on the sharing of the above gameplay, special tips:

① Put the Agricultural Bank of China before the 8th line to apply, preferably the first 4 lines. Those who have poor qualifications need to pay more attention.

②Be able to meet people through online channels, do not apply online.

③If you want to ask for a large amount, increase the probability of getting the card, do something special, and ask an employee to guarantee it (guarantee from the president).