Generally there are the following conditions:

1. The user must be over 18 years old and less than 65 years old, and be a natural person with full capacity for civil conduct.

2. The user has good personal credit, no illegal records or bad records.

3. The user has good repayment ability, has a stable job and income, a monthly salary of at least 3,000, and can repay the loan in time without overdue payment.

4. The user has a fixed address and a true and valid identity certificate.

How to charge the annual fee for the Agricultural Bank of China Credit Card Gold Card?

Under normal circumstances, no annual fee will be charged in the first year. The policy is that the annual fee is waived in the first year. In the second year, the payment will be deducted before the end of August. If the user reaches the number of card swipes, the annual fee can be reduced. If the user does not reach the limit, the annual fee will be deducted. If the user wants to change the annual fee, he or she can bring relevant identity certificates and various information required by the bank, go to the bank counter and follow the staff's prompts.