What are the requirements for applying for a rural credit union credit card

Rural credit union credit card application requirements:

Must be at least 18 years of age; annual income of at least $30,000; no bad record on personal credit history; stable job.

The following information is required:

Copy of ID card (self-copy)

Proof of income or proof of employment from the organization (self-printed or get it at the counter)

Credit card application form (get it at the counter of the credit union)

If you have a real estate or a vehicle, you will be given a large credit card limit if you provide the information to the bank.

Just fill out the information at the rural credit union and give it to the credit card processor.

Rural Credit Cooperatives (English name RuralCreditCooperatives, Chinese abbreviation Rural Credit Union, Nongxinsha) refers to the rural cooperative financial institutions approved by the People's Bank of China, consisting of members' shareholdings, practicing democratic management, and mainly providing financial services for the members.

Rural Credit Union is an independent enterprise legal person, which is liable for the debts of Rural Credit Union with all its assets and enjoys civil rights according to law. Its property, legal rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to mobilize idle rural funds and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, the organization and regulation of rural funds, support for agricultural production and integrated rural development, support for various forms of cooperative economy and members of the family economy, limit and combat.

Agricultural credit union is divided into the following departments: agricultural credit union cooperatives, agricultural credit union international financial sector, Zhengtong agricultural credit union training school, agricultural credit union credit department, etc., is by the CBRC and the State Council dual leadership of the department.

Loan Interest Rates

Legal Interest Rates: The various interest rates approved by the State Council and authorized by the State Council to be set by the People's Bank of China (PBOC) are legal interest rates. The announcement and implementation of legal interest rates are the responsibility of the head office of the People's Bank of China.

Base rate: The People's Bank of China's deposit and lending rates for commercial banks and other financial institutions are the prime rate. Benchmark interest rate with the People's Bank of China, the head office of the People's Bank of China to determine.

Contract interest rate: the lender in accordance with the statutory lending rate and the People's Bank of China floating range, agreed with the borrower *** with the borrower, and in the loan contract set out in a specific loan interest rate.

Approved by the State Council, the People's Bank of China has decided to fully deregulate lending interest rates of financial institutions from July 20, 2013 onwards.

The lower limit of 0.7 times of the lending interest rate of financial institutions has been abolished, and financial institutions will determine the level of lending interest rate independently according to commercial principles.

There is no longer an upper limit on lending rates for rural credit unions.

Rural credit cooperatives, as bank-type financial institutions, have their own characteristics, which are mainly manifested in the following:

Farmers and other individuals in the countryside pool their capital to form a cooperative financial organization with mutual assistance as its main purpose, and its business operation is based on democratic election by the members of the members of the designated personnel management and operation, and is accountable to the members. The supreme authority is the general assembly of members, and the executive body responsible for the management of specific affairs and business operations is the board of directors.

The main sources of funds are the share capital paid by the members of the cooperative, the retained provident fund and the deposits absorbed; the loans are mainly used to solve the financial needs of its members. In the beginning, the main short-term production and living loans and consumer loans, and then with the economic development, gradually expand the lending channels, and commercial bank loans are no different.

Because the business target is cooperative members, the business procedures are simple and flexible. The main tasks of rural credit cooperatives are: to organize and regulate rural funds in accordance with national laws and financial policies, to support agricultural production and integrated rural development, to support various forms of cooperative economy and members of the family economy, to limit and combat. [1]

Agriculture credit card how to apply for

Bring my ID card, rural credit union passbook and so on offline business points to apply, fill out the application information;

Submit the relevant information, such as copies of ID cards, proof of personal finances, proof of credibility and so on;

credit card audit information After submitting, the card will be issued in 15 working days under normal circumstances.

Expanded Information:

Rural Credit Cooperatives (RuralCreditCooperatives in English, or Rural Credit Union in Chinese, Rural Credit Cooperatives (Rural Credit Union, in Chinese) refers to rural cooperative financial institutions approved by the Central Bank, composed of members, democratically managed, and mainly providing financial services for members.

Rural credit unions are independent enterprise legal persons, which are liable for the debts of rural credit unions with all their assets and enjoy civil rights in accordance with the law. Its property, legal rights and interests and business activities carried out in accordance with the law are protected by national laws. Its main task is to mobilize idle rural funds and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, the organization and regulation of rural funds, support for agricultural production and integrated rural development, support for various forms of cooperative economy and members of the family economy, limit and combat.

The relationship between a county federation and an individual credit union is equivalent to the relationship between a head office and a branch.

A county has a county federation, at first the county federation was under the control of the Agricultural Bank of China; after 1996 it was under the control of the central bank; after 1999 the central bank gradually set up local (municipal) federation, and the county federation was under the control of the local (municipal) federation again; after 2003 the People's Bank of China withdrew, canceled the local (municipal) federation, and handed over the management of the rural credit unions to the provincial government, which then set up provincial federation, the provincial federation managed the rural credit unions, and the provincial federation managed the provincial federation, the provincial federation managed the provincial federation. The provincial government in turn set up the provincial federation, the provincial federation managed the county federation.

Up to this point, from the economic and legal point of view, each county federation is equivalent to an independent bank (enterprise), the actual owner of the provincial government, the county federation of the province *** with the shares, the formation of the provincial federation, so the provincial federation in fact, or the county federation of the "son"; from the administrative point of view, each county federation is an administrative department that manages credit unions. A management credit union administration, and the provincial federation is the highest administrative department, so the provincial federation is the county federation of "old son". Because of the higher administrative status, the provincial federation has become the de facto manager of the county federation economically.

How do I get a credit card from a rural credit union?

How to apply for a credit card of Agricultural Bank of China, there are several kinds of credit cards of Agricultural Bank of China:

Application for credit card of Agricultural Bank of China is mainly online application and business outlets to apply for two kinds of applications:

1, online application: click on credit card under the personal service plate on the official website of Agricultural Bank of China, select the credit card card that you need to apply for, and fill in the Personal details, confirm that the information is correct and click to confirm the submission, if the application through the bank audit can be agreed to the branch for face-to-face and receive the card.

2, business outlets to apply: in the Agricultural Bank of China's business outlets to provide a valid personal ID card, proof of employment and other information can be directly applied for a credit card.

The best credit card to do high credit limit bank credit card:

One, Meituan co-branded credit card

Meituan co-branded credit card is the Meituan joint local banks, around the "eat, drink and play" all kinds of life consumption scenarios rights and interests of the issuance of a standard credit card products, the Meituan big data, intelligent models, and other advantages, and the bank's financial, financial, and other advantages, the Meituan co-branded credit card. It combines MMT's advantages in big data and intelligent models with the banks' accumulated experience in capital and full-process risk, and reaches users' real needs through "online and offline" consumption scenarios to provide "local customers, local life, and local finance" financial services that are distinctive and differentiated.

The credit limit of the Meituan co-branded credit card is generally 1,000-50,000 yuan, with a maximum limit of 50,000 yuan. (Click to apply online)

Cardholders can enjoy the "fresh privileges" of the Meituan platform, and the credit card consumption points can be automatically converted into Meituan pocket money to be used as cash on the platform every day according to the standard of 10 yuan/1 pocket money, and the first payment of Meituan payment within 90 days of the issuance of the card will be reduced by 6 yuan per day.

Two, Bohai Bank credit card

Bohai Bank self-travel platinum card is good or better approved, free card is a travel theme credit card launched by Bohai Bank. It is a classic platinum card product customized mainly for some people who are looking for the ultimate cultural sports food experience. After applying for the card is within 30 minutes will be out of the results of the audit, after the audit will receive a text message reminder.

Bohai Bank Credit Card LimitBohai Bank's universal credit card limit is 1,000-10,000, gold card limit is 10,000-50,000, and platinum card limit is more than 50,000. (Click to apply online)

Three, Pudong Development Bank Credit Card

Pudong Development Credit Card is quite good. Pudong Development Credit Card is a standard dual currency Visa credit card issued by Pudong Development Bank, enjoying a wide range of benefits, and even a free photo card.

1. General card class. The initial limit range of the Pudong Development Bank credit card's general card class is generally between 1,000 yuan and 10,000 yuan. (Click to apply online)

2. Gold card tier. The initial limit of the gold card of Pudong Development Bank credit card, will be relatively higher, generally between 10000 yuan and 50000 yuan.

3. Platinum card level. The initial limit of Pudong Development Bank's platinum credit card, usually more than 50,000 yuan.

4. High-end platinum card level. High-end platinum card, commonly known as the big platinum, Pudong Development high-end platinum credit card's initial limit is generally more than 100,000 yuan, up to 500,000 yuan.

How do I apply for a credit card from a rural credit union?

One, rural credit union credit card application conditions:

General application conditions are relatively close, the specific according to the provisions of the actual operation of each bank. Each card-issuing bank has its own card-issuing standards, which are generally as follows:

(1) Be at least 18 years old.

(2) Urban and rural residents who have a regular occupation and a stable income, and whose workplace is generally in their usual place of residence.

(3) Fill out the application form and sign the "Applicant's Signature".

The credit card application process:

(1) Fill out the application form.

(2) Give the bank your information, and all kinds of copies.

(3) The bank sends it to the credit card center.

(4) The credit card center will review, make and issue the card.

(5) You get the card, open it, and wait for the PIN letter.

Third, the credit union credit card application required information:

1) copies of identity documents, proof of employment, proof of income, etc..

2)If you can also provide bank deposit slips, real estate certificates, degree certificates, etc., your application approval process will be easier and faster.

3)If you belong to a foreign household registration, a foreigner working in the place of application, or an active-duty officer applying for a credit card in his personal name, some card-issuing banks may require you to produce a temporary household registration issued by the local public security department, or a certificate issued by the relevant department (including proof of employment).

4) Other conditions required by the issuing bank.

Four, rural credit union credit card application length:

Generally, rural credit union credit card application takes about 15-25 days.

That's all for the introduction of how to apply for a rural credit union credit card.