1. The applicant must be a natural person who has reached the age of 18 and has full capacity for civil conduct. Moreover, the applicant must have a certain economic source and income. Only when this condition is met will the bank consider giving you approval.
2. The applicant can be an institution or an individual. The applicant must be an organ, institution, foreign-funded enterprise or individual industrial and commercial household with independent legal personality in the Mainland, and each unit can receive a main card and multiple macas as required, and can receive 5 to 10 supplementary cards.
3. Individuals who apply for credit cards must have a fixed occupation and a stable source of income. Rural credit cooperatives also need guarantees, which can be personal funds of individuals and units.
4. When applying, the applicant needs to provide ID card, proof of work or personal property, and list of social security expenses. The more personal congratulations, the higher the credit card application amount.
Application method
First decide the bank and type of credit card, then fill in the application form at the bank outlet, submit the relevant certification materials to the bank for review, and issue the card after the bank has passed the review. When you receive a credit card, you can activate it.
Extended data
Institutional nature of rural credit cooperatives
1. Rural credit cooperatives are banking financial institutions. The so-called banking financial institutions are also called deposit institutions and deposit currency banks. Their common feature is that deposits are the main liabilities, loans are the main assets, and transfer settlement is the main intermediary business, which directly participates in the creation process of deposit currency.
2. Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions whose main purpose is mutual assistance, referred to as "credit cooperatives", which carry out deposit and loan business among members for the purpose of mutual assistance and self-help. The establishment of credit cooperatives is directly related to the development of natural economy and small commodity economy.
3. Due to the seasonal, decentralized, small-scale and small-scale characteristics of agricultural producers and small commodity producers, it is difficult for small producers and farmers to get the support of bank loans, but objectively, the development of production and circulation must solve the difficulty of insufficient funds, so this kind of mutual aid self-help credit organization established by means of capital contribution and deposit has emerged.
4. Rural credit cooperatives are cooperative financial organizations composed of farmers' shares, which implement democratic management of shareholders and mainly serve shareholders. They are legal financial institutions approved by the People's Bank of China. Rural credit cooperatives are an important part of China's financial system. Their main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development.
Sogou encyclopedia-rural credit cooperative