After handling the gold card, there is no need to queue up for business in the bank in the future, and there is counter service. And you can enjoy all kinds of discounts. A 20% discount on making money in different places means a 50% discount on ordinary cards, a 40% discount on making money in different places, a 50% discount on ordinary cards and a 15% discount on gold cards. There is no production cost, no loss reporting fee, and there is no need to queue up at the national agricultural bank outlets. The main purpose of handling a gold card is to avoid queuing. Now, the gold card is free. If you just want to reduce the handling fee, I suggest you open online banking. The handling fee is 25. A 20% discount on your gold card is enough. Mobile banking transfer can also be opened below 50000, and there is no service charge for cross-bank or off-site transfer below 50000.

First, apply for a gold card:

1. The balance of the applicant's deposit in the card issuer on that day (the total deposit in each associated account under the same customer, the same below) reached more than RMB 20,000 (inclusive).

2. Within 90 days before the date of application, the average daily deposit balance in the card issuer has reached more than 20,000 yuan (inclusive).

3. Within one year, the average monthly balance of personal loans reached more than 654.38 million yuan (inclusive), with good repayment and no bad records.

4. Within one year, the cumulative direct consumption of credit card customers of rural credit cooperatives reached more than RMB 50,000 (inclusive).

Two, the rural commercial bank gold card processing conditions are as follows:

1, application conditions

The main card applicant must be at least 18 years old (inclusive); Supplementary card applicants must be at least 16 years old (inclusive).

2. Information must be provided

(1), a copy of the applicant's ID card of the primary card and the secondary card. Identity documents refer to resident identity cards, military officers' cards, passes for Hong Kong and Macao residents to and from the mainland, passes for compatriots from Taiwan Province Province to and from the mainland, passports and other valid documents.

(2) Work certificate (choose one of the following): the original copy of credit certification materials such as work certificate, work permit and professional qualification certificate issued by the unit.

Third, the handling process:

1. Application: By filling in the credit card application form, the contents of the application form generally include the applicant's name, basic information, economic status or income source, relevant credit certificate, guarantor and its basic information, etc. And submit some copies of certificates and vouchers to the issuing bank.

2. Examination: After receiving the application form and related materials submitted by the applicant, the issuing bank shall examine the contents of the application form and the credit standing of the applicant.

3. Card Issuance: After the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

4. Card opening: The card opening program was set up before the official launch, mainly by telephone or network. Check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card.