1. What are the conditions for rural credit cooperatives to apply for credit cards?

Credit card applications of rural credit cooperatives must be handled independently. Generally, you can go to the bank counter or apply with the mobile banking app. Credit card applications that meet the following conditions can be processed:

1, 18 years old, living in China;

2. Have a certain repayment ability, preferably a stable source of income;

3. Have a stable work certificate, and it is best to provide proof of income and social security;

4. Being able to provide valid personal identification;

5. Personal credit record is good.

2. What are the reasons for the rejection of credit card applications of rural credit cooperatives?

1. The applicant does not meet the conditions for issuing cards: the credit card application of rural credit cooperatives needs to meet certain conditions, such as age restrictions. If it does not meet the requirements of the bank, directly refuse to apply for a card.

2. Unreal or insufficient application materials: Rural credit cooperatives need to pay attention to the authenticity and integrity of application materials when applying for credit cards, which is an important reference for bank approval. If the application materials are insufficient, the possibility of approval is very small.

3. The applicant's comprehensive score is insufficient: the credit card application of rural credit cooperatives can only be passed after reaching the score line set by the bank. These comprehensive scores include income, work, assets and so on.

4. The applicant has a bad credit record: if the applicant has a bad credit record, it is unlikely to pass; However, if the applicant has a good credit record, the credit card is likely to be approved.

Third, how to increase the credit card quota of rural credit cooperatives.

1. Increase the temporary limit: the cardholder can contact the customer service of the bank to apply for an increase in the temporary limit, but it should be noted that the general temporary limit is time-sensitive and will automatically restore the original limit after it expires.

2. Promotion of the long-term limit: Cardholders can apply to the rural credit cooperatives for promotion of the long-term limit, but they need supplementary materials, such as copies of their property certificates, deposit slips of goods, and copies of personal income tax certificates in the last three months, so that the possibility of raising the limit will be high.

It is not difficult for rural credit cooperatives to apply for credit cards, but cardholders should pay attention to reasonable consumption and timely repayment when spending, so as to avoid overdue consequences and affect personal credit records, which will have a great impact on future loan applications for buying a house and a car, and will also affect future travel and transportation, and even affect the credit of spouses, children's future studies and civil service examinations.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.