What are the benefits of the Agricultural Bank of China credit card?

The benefits of the Agricultural Bank of China credit card:

The bank has many network points, which saves time and speed in handling business; the repayment method is convenient, and agriculture The bank can support automatic deductions according to the agreement; the interest-free period can be up to 56 days, eliminating worries for users; Agricultural Bank of China provides professional business travel services to credit card customers; the annual fee policy is excellent, and the ordinary card gold card can be waived every year if you swipe the card 5 times. and can implement multi-account management: unlimited quotas, independent billing days, independent repayments, and low cash withdrawal fees. The handling fee charged by domestic Agricultural Bank of China for cash advance is 1/transaction amount (minimum 1 yuan) ).

The handling fee for cash advance loans from other domestic banks is RMB 12 per transaction (minimum RMB 3). The handling fee charged for overseas cash advance is 3% of the transaction amount (minimum 3 USD or equivalent). The advantage of Agricultural Bank of China is that there is no annual fee for life and no handling fee for excess cash withdrawals. Generally, you can apply for up to 300,000 () diamond customers.

The Agricultural Bank of China is a large state-owned bank managed by the central government. Founded in 1951, it is one of China's major comprehensive financial service providers

. The bank provides a variety of corporate banking and retail banking products and services, and also carries out financial market business and asset management business. Its business scope also covers investment banking, fund management, financial leasing, life insurance and other fields. And listed in Shanghai and Hong Kong, China.

The predecessor of the Agricultural Bank of China can be traced back to the Agricultural Cooperative Bank established in 1951. Since the late 1970s, the bank has successively experienced different stages of development, such as a national specialized bank, a wholly state-owned commercial bank, and a state-controlled commercial bank. In January 2009, the bank was restructured into a joint stock limited company. In July 2010, the bank was listed on the Shanghai Stock Exchange and the Stock Exchange of Hong Kong.

The bank is one of China's major comprehensive financial service providers and is committed to building an international first-class commercial banking group with distinctive operating characteristics, efficient and convenient services, complete and coordinated functions, and outstanding value creation capabilities. With its comprehensive business portfolio, vast distribution network and leading technology platform, the bank provides customers with a variety of corporate banking and retail banking products and services. It also conducts financial market business and asset management business. Its business scope also covers investment banking, Fund management, financial leasing, life insurance and other fields. As of the end of 2016, the bank's total assets were 19.570061 billion yuan, loans and advances issued were 9.719639 billion yuan, deposits received were 15.038001 billion yuan, the capital adequacy ratio was 13.04, and the annual net profit was 184.060 billion yuan.

Is the Agricultural Bank of China credit card good?

The outstanding advantage of Agricultural Bank of China’s credit card is that there are many outlets operating across the country, and compared to other banks, Agricultural Bank of China’s credit card has outlets in small places.

The longest interest-free period of the Agricultural Bank of China credit card can reach 56 days, and the longest interest-free repayment period is also 56 days, which is very leading in the industry.

And for college students, the Agricultural Bank of China credit card is also open to college students. You can apply for it with your ID card, and the limit is capped at 3K.

In addition, there are many preferential activities for Agricultural Bank of China credit cards. There are monthly fuel subsidies, a corresponding number of free rescues and 4S store maintenance discounts, and there are often half-price movie viewing activities.

Benefits and Disadvantages of Agricultural Bank of China Credit Card

Benefits of Credit Card: Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary transactions without cash in the card. For consumption, in many cases it is enough to repay the amount consumed on schedule.

Disadvantages of credit cards: The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of banks issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high fees will be charged. The interest on the amount is generally 0.05% per day.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without charging any interest (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and 2 handling fee, ICBC does not charge handling fees for cash withdrawals, and only charges interest);

Swiping the card when shopping is not only safe and convenient, but also provides gift points;

Hold the card at the bank You can enjoy discounts when spending at special merchants;

. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life;

Accessible nationwide, You can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption. It is best not to withdraw cash. The cash withdrawal fee is very high, which is not cost-effective)

Consumption by credit card, some You can collect existing points with your credit card, and enjoy various discounts and lucky draws throughout the year, so you can always be surprised just by using your card. (Most credit card online payments do not have points, but online shopping payments are very convenient and fast);

Free monthly mailing of statements allows you to transparently control every consumption expenditure; (We are now promoting green environmental protection and can cancel paper payments. Change the quality statement to an electronic statement)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control the financial expenses of their children;

Free choice of one card and two cards In the form of currency, it is accepted all over the world. Overseas consumption can be repaid in domestic RMB;

400 phone number or 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately, and there is zero risk of losing the card;

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services to cardholders.

Is the Agricultural Bank of China credit card easy to use? What are the advantages and disadvantages

Each credit card has its own characteristics, with both advantages and disadvantages. When choosing a card, cardholders should choose based on their own needs and characteristics. In this issue, we will review the advantages and disadvantages of Agricultural Bank of China credit cards for you.

Advantages of Agricultural Bank of China Credit Card:

1. Many business outlets. Of course, another advantage of Agricultural Bank of China compared with the other three major banks is that it has many branches in small places. Agricultural Bank of China probably has the most branches among the four major banks. Because it is "agricultural", you can easily find Agricultural Bank of China even in a small place. This is the most outstanding feature of Agricultural Bank of China!

2. The longest interest-free period is 56 days. With an interest-free repayment period of up to 56 days, it is ahead of its peers in China and provides more flexibility in accessing funds.

3. There are special student credit cards for college students. As long as you go to a business outlet with your ID card and student ID card, you can apply for a credit card unconditionally. Compared with the ICBC Peony Student Credit Card, the limit is higher, with a minimum limit of 3,000 yuan.

4. Agricultural Bank of China also offers many preferential activities. By swiping the card to refuel, you can enjoy a monthly fuel subsidy of RMB 6, three free rescues around the world, and maintenance discounts at 4S stores; the Agricultural Bank of China credit card also often offers half-price movie viewing discounts. 5. Universally applicable at home and abroad. You can spend directly at more than 20 million merchants with VISA, MasterCard and China UnionPay logos at home and abroad, withdraw cash at more than 840,000 ATMs around the world, and enjoy convenient and fast services at any time.

6. One card and two currencies for payment. The dual account setup of RMB and USD is specially designed to meet your global settlement needs, making your journey more relaxed and responsive.

7. Agricultural Bank of China’s most beautiful mother’s credit card, giving your baby and yourself more care. With the first purchase of RMB 88, you can get a Spongebob coral velvet blanket, enjoy instant discounts when shopping on JD Dangdang, and you can also get a Disney English course of RMB 5,000 when you spend the entire year! Also enjoy the points section for Pretty Moms!

Disadvantages of Agricultural Bank of China's credit cards:

1. Since it is one of the four major banks, credit card approval is relatively strict and is not as easy to approve as China Merchants Bank, CITIC and Guangfa. Moreover, many Card Alliance netizens said that the efficiency of Agricultural Bank of China in applying for credit cards is not that high. (But it depends on the specific business outlet)

2. The quota increase is relatively slow.

3. Although Agricultural Bank of China has many discounts, banks such as China Merchants Bank, China Guangfa, CITIC, and China Construction Bank also have many discounts.

Is the Agricultural Bank of China credit card easy to use?

The Agricultural Bank of China credit card is easy to use and easy to use. Moreover, the Agricultural Bank of China credit card has many functions, which can meet a variety of reuse needs and provide users with a convenient and comprehensive experience.

Agricultural Bank of China Credit Card adheres to the principle of "cooperation, communication, innovation, and win-win" and focuses on brand cooperation, customer sharing, channel cooperation, and the construction of service networks. * Sharing and cooperation in product research and development have formed a multi-level and multi-angle cooperation system with all walks of life to create a perfect life experience for cardholders and deliver superior life value.

Using functions of Agricultural Bank of China credit card:

1. Integrated borrowing and lending, instant credit use

Huinong Credit Card has a powerful function of integrating lending and borrowing. You can open current and multiple fixed-term sub-accounts, and deposit your own funds to obtain deposit interest; moreover, without going through other procedures after receiving the card, you can directly overdraft and use credit immediately within the credit limit approved by our bank, which is flexible Arrange your own production and operation funds and manage family property.

2. Revolving overdraft, fast turnover

Within the credit limit approved by our bank, you can borrow and repay at any time according to your own financial situation, and the interest is calculated based on the actual number of days of use. After repayment, the credit limit will be restored immediately and can be used again, realizing rapid turnover of funds, maximizing savings on capital use costs and realizing asset appreciation.

3. Full cash withdrawal, easy to use

You can not only consume overdrafts, but also withdraw cash overdrafts and transfer overdrafts. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can reach up to 100 of the credit limit, which can meet your fund needs for different purposes to the greatest extent.

4. High credit, flexible guarantee

You can obtain credit from Huinong Credit Card through various guarantee methods such as credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the credit limit can be up to 300,000 yuan.

5. Integrate fixed-term and active-duty transactions into one, easy management

You can open a RMB current account and multiple RMB fixed-term sub-accounts at the same time under the Huinong Credit Card, without the need for other cards or deposit receipts. Easily manage your current deposits and time deposits with one card in hand.

What are the benefits of the Agricultural Bank of China credit card?

Benefits of credit cards:

1. You can earn points by swiping credit cards, and you can redeem gifts or airline miles by earning a certain amount of points;

2. Some credit cards can provide discounts for consumption in some places. For example, ICBC credit cards will regularly postpone store information where discounts are available;

3. If you are unable to come over temporarily, using a credit card is equivalent to a small interest-free loan. As long as If you repay during the final repayment period

you don’t have to pay interest, which is a certain advantage in the current wave of interest rate hikes;

4. Most credit cards now You can waive the annual fee by swiping the card several times, but debit cards still have to pay an annual fee of 10 yuan per year

.

5. If the credit card you apply for includes VISA or MasterCard, you can swipe the card directly abroad, and it can be directly converted into RMB according to the current exchange rate, eliminating the need for you to go to the bank. The trouble of queuing up for redemption.

Credit Card (English: CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by banks

to individuals and organizations. They can use it to shop, consume and deposit and withdraw cash from specially appointed organizations. It is in the form of a card with the name of the card-issuing bank printed on the front.

, validity period, number, cardholder name and other contents, and there is a magnetic strip and signature strip on the back.

Credit card application: Just bring your ID card to a bank branch to apply and provide the corresponding information.

Let’s stop here to introduce why the Agricultural Bank of China credit card is good.