I won't go to a credit bureau. As long as I repay the loan according to the loan contract, I won't go to a credit bureau. But after I pay off the loan, I can't apply for a loan in China Agricultural Bank. The responsibility of repaying loans with loans is caused by the lax examination and approval of Agricultural Bank of China. The reason why the Agricultural Bank of China requires to settle the loan in advance is because the post-loan inspection shows that there is a problem in your capital chain and requires you to settle the loan in advance to ensure the safety of the funds. According to the propaganda of the credit manager at that time, the product has the characteristics of high loan amount, long credit period and wide loan uses, and can effectively meet the needs of consumers in mortgage to buy a house, car purchase, decoration, education, medical care, tourism and other family and personal business purposes.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Apply for a bank card
The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials, and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true. After filling out the application form, you should go to the bank headquarters for filing. It takes about 20 working days to issue the card to the customer after the head office of the bank reviews the application materials. Credit cards are only applicable to customers aged 18 or above, and minors are not allowed to apply for credit cards.
Applying for a debit card is relatively simple. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, and then you can issue the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person being handled may not be present; Minors who have reached the age of 16 but under the age of 18 can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If they don't take part in the work, they still need the assistance of their guardians, and the person being treated may not be present; Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or self-service card-handling machine with their ID cards, and get them immediately. According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.
Bank card loss reporting
The reporting procedures of major banks are not exactly the same. If you lose it, you can report the loss temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report the loss.