China Agricultural Bank Jinsui Credit Card (quasi-credit card, hereinafter referred to as Jinsui Credit Card) is a RMB credit payment tool issued by the bank, which has the functions of cash deposit and withdrawal, transfer settlement and consumption, and can enjoy certain overdraft facilities according to the regulations of the issuing bank.

Jinsui credit card is divided into gold card and ordinary card according to different credit grades, and unit card and personal card according to different card issuers.

Product features:

1. has the functions of cash deposit and withdrawal, transfer settlement and consumption.

At present, it is only used in People's Republic of China (PRC) (China).

Card issuing object:

1. Personal Card: Individuals with legal income and full capacity for civil conduct can apply for personal cards, and the main card holder of personal cards can apply for supplementary cards for individuals with full capacity for civil conduct at the age of 18, with no more than two supplementary cards.

2. Business card: Any unit that opens a basic deposit account in a financial institution in People's Republic of China (PRC) can apply for a business card with an account opening permit issued by the People's Bank of China, with a maximum of 6 business cards. The cardholder shall be designated in writing by the legal representative of the applicant or his entrusted agent.

Edit the Articles of Association of Jinsui Credit Card of Agricultural Bank of China.

Article 1 China Agricultural Bank Jinsui Credit Card (quasi-credit card, hereinafter referred to as Jinsui Credit Card) is a RMB credit payment tool issued by China Agricultural Bank, which has the functions of cash deposit and withdrawal, transfer settlement and consumption, and can enjoy certain overdraft facilities according to the regulations of the issuing bank. Jinsui Credit Card is used in People's Republic of China (PRC) (China).

Article 2 Jinsui credit cards are divided into gold cards and ordinary cards according to different credit ratings, and into unit cards and personal cards according to different card issuers.

Any financial institution that opens a basic deposit account in People's Republic of China (PRC) (China) may apply for a business card with an account opening permit issued by the People's Bank of China, and may apply for a maximum of six business cards. The cardholder shall be designated or cancelled in writing by the legal representative of the applicant or his entrusted agent. All transaction funds of the corporate card are credited to the corporate card account, and the applicant is responsible for the transactions generated by all corporate cards he applies for.

Individuals with legal income and full capacity for civil conduct can apply for personal cards, and the holders of the main cards of personal cards can apply for supplementary cards for individuals with full capacity for civil conduct who have reached the age of 18, with no more than two supplementary cards, and the validity period is the same as that of the main card. The holder of the main card has the right to request cancellation or stop payment of its supplementary card. All transactions of the supplementary card are included in the account of the main card, and the cardholder of the main card is responsible for the transactions generated by its supplementary card.

Article 3 Units and individuals applying for Jinsui Credit Card shall open a reserve account with the issuing bank. The funds in the unit card account should be transferred from basic deposit account to deposit, and the sales income should not be deposited in the unit card account; The funds in the personal card account are only deposited in cash held by individuals or transferred in the form of wages, personal legal labor remuneration, investment returns and other income.

The initial deposit amount of the reserve fund is: 20,000 yuan for the unit gold card and 0/0000 yuan for the unit ordinary card; Personal gold card 2000 yuan, personal ordinary card 1000 yuan. The deposit is unlimited and can be renewed at any time. Interest shall be calculated and paid for deposits according to the deposit interest rate and interest-bearing method of the same grade in the same period stipulated by the People's Bank of China, and personal income tax shall be withheld and remitted for deposits in personal card accounts according to the tax rate stipulated by the tax authorities.

Article 4 Units and individuals applying for Jinsui Credit Card must fill in the application form and sign a written agreement with the issuing bank. The issuing bank decides whether to approve the application according to the applicant's credit status. After the application is approved, the issuing bank will verify the overdraft limit for the applicant and adjust the overdraft limit according to the cardholder's card usage and credit status.

Article 5 When an individual applies for Jinsui Credit Card, the issuing bank may decide whether to provide guarantee according to the credit status of the applicant. Guarantee methods are divided into guarantee, pledge and mortgage. The guarantor shall sign a guarantee contract with the issuing bank.

Article 6 Jinsui Credit Card is valid for two years, and will automatically become invalid after expiration. However, the creditor's rights and debts incurred by the cardholder when using Jinsui Credit Card remain unchanged, and the joint liability of the guarantor remains unchanged. Customers who apply for Jinsui Credit Card need to pay an annual fee, and the annual fee for two years must be paid in one lump sum. If the card is returned midway, the annual fee will not be refunded.

After Jinsui Credit Card expires, if the cardholder needs to continue to use it, he can apply for a new card at the issuing bank. To apply for a new card, you need to pay an annual fee again, and the charging standard is the same as that of a new card. If the cardholder does not intend to continue using Jinsui Credit Card, he must return Jinsui Credit Card to the issuing bank and apply for account cancellation. If the cardholder fails to obtain a new card after the expiration of 6 months, the issuing bank has the right to cancel the card.

Article 7 When a cardholder uses Jinsui Credit Card to handle payment transactions in the business institutions or financial equipment designated by Agricultural Bank of China, the issuing bank shall regard it as the cardholder's own doing, and the generated electronic information record shall be a valid voucher for the transaction; If the password is not used, the cardholder shall show his valid identification in accordance with the provisions of the issuing bank, and the transaction voucher signed by the cardholder is the valid voucher for this transaction. The unit card shall not be cashed out, and shall not be overdrawn when it is used for commodity trading and labor supply fund settlement.

At present, depositors need to show their valid identity documents and fill in the deposit slip when handling the card-free deposit. The issuing bank takes the card number filled in by the depositor as the deposit and withdrawal account, and the depositor shall bear the capital loss caused by the wrong card number.

Article 8 The cardholder shall withdraw money from the ATM with Jinsui credit card and password, and the accumulated withdrawal amount of each card shall not exceed 5,000 yuan per day, and the number of times shall not exceed 5 times. The cardholder deposits cash in the ATM, and the deposit and withdrawal account is a bank check.

Article 9 Cardholders can check account balance and transaction details at local acceptance outlets or financial institutions or through telephone banking and online banking. If the cardholder has questions about the account, the issuing bank will give a reply within 30 days.

Article 10 A cardholder may overdraw within the overdraft limit approved by the issuing bank. The longest overdraft period is 60 days, and the overdraft interest is calculated at 0.5 ‰ of the daily interest rate. The interest is calculated from the bookkeeping date of the issuing bank, and the simple interest is collected on a monthly basis, which will be adjusted according to the current interest rate adjustment of the People's Bank of China.

The cardholder shall repay the overdraft in the order of overdraft interest and overdraft principal. If the repayment cannot be made within 60 days, the issuing bank has the right to cancel its qualification to use Jinsui Credit Card and recover the principal and interest owed according to law. If there is malicious overdraft or credit card fraud, the issuing bank will ask the judicial organ to investigate its criminal responsibility.

Article 11 If Jinsui Credit Card is lost or stolen, the cardholder shall promptly report the loss by telephone or in writing. The loss report will take effect immediately after the relevant procedures are completed, and the cardholder will not bear the financial losses caused by the fraudulent use of Jinsui Credit Card after the loss report takes effect. After the cardholder reports the loss of the phone, he shall go through the formalities of reporting the loss in writing in time. The cardholder can only get a new card after completing the written loss reporting procedure. If the cardholder forgets his password, he shall go through the password renewal procedures at the designated outlets of the issuing bank.

Article 12 The cardholder may cancel the account after all the transaction funds, overdraft principal and interest and related expenses have been settled. If Jinsui Credit Card is lost or stolen, the cardholder must complete the written report procedure before canceling the account. When the account is cancelled, the funds in the unit card account shall be transferred to its basic deposit account, and no cash shall be withdrawn.

Article 13 The cardholder shall keep the password of Jinsui Credit Card properly to prevent it from being leaked. All Jinsui credit card transactions with matching passwords are regarded as legal transactions. The loss caused by the loss of password shall be borne by the cardholder. The cardholder shall not refuse to pay the money owed to the issuing bank on the grounds of disputes with special merchants.

Article 14 Jinsui Credit Card and its account are only for the legitimate cardholder's own use, and may not be transferred or lent, otherwise the financial losses caused thereby shall be borne by the cardholder himself. If the cardholder's work unit, address, telephone number and ID number change, it shall notify the issuing bank in writing, and the losses caused by the delay in notification shall be borne by the cardholder.

Article 15 The issuing bank shall formulate the charging standard of Jinsui Credit Card according to the relevant provisions of the state, and the cardholder shall sign a subscription agreement with the issuing bank, which means that he accepts the standard.

Sixteenth due to force majeure or communication reasons, Jinsui Credit Card can not be used temporarily, and the issuing bank will not bear the relevant responsibilities; The issuing bank has the right to correct accounting errors caused by force majeure or communication reasons.

Seventeenth Jinsui credit card ownership belongs to the issuing bank. The issuing bank may cancel the cardholder's right to use Jinsui Credit Card according to the actual situation, recover the arrears, and authorize relevant banks and special merchants to recover Jinsui Credit Card.

Article 18 The Articles of Association shall be formulated, interpreted and revised by the Agricultural Bank of China, and implemented after being approved by the People's Bank of China. Whether the cardholder knows it or not, the amendment is binding.

Edit the schedule of this paragraph: Jinsui Credit Card (quasi-credit card) charging standard.

Jinsui credit card (quasi-credit card) charging standard

charging item

charging standards

comment

annual fee

Gold card 80 yuan/year, ordinary card 20 yuan/year.

Charge when opening the card, and change the card when it expires.

cost of production

Achromatic photo card 10 yuan, color photo card 50 yuan.

Charge for card opening, replacement or replacement.

Loss reporting fee

50 yuan

At that time, losses were collected in writing; Telephone loss reporting is charged when the written loss reporting procedure is completed.

cupboard

platform

transmit

easy

Cash withdrawal in different places

65438+ 0% of the transaction amount

Minimum 1 yuan

Survival in different places

5‰ of the transaction amount

The lowest 1 yuan, the highest 100 yuan.

Transfer expenditure in different places

5‰ of the transaction amount

The lowest is 10 yuan, and the highest is 300 yuan.

Transfer deposit in different places

5‰ of the transaction amount

The lowest 1 yuan, the highest 100 yuan.

A

T

M

take

at present

Local interbank ATM cash withdrawal

2 yuan/pen

Our bank's ATM cash withdrawal in different places

65438+ transaction amount/0% of the transaction

Minimum 1 yuan

Inter-bank ATM cash withdrawal in different places

(65438+ 0% of the transaction amount+2 yuan)/transaction.

Note: Off-site refers to the area outside the licensing city.

Note: The specific business types, processes and conditions shall be subject to the relevant regulations of the local branch of Agricultural Bank of China.