The Agricultural Bank of China credit card has functions such as consumer credit, cash advance, and repayment. Qualified cardholders can enjoy facilities such as guarantee-free revolving credit and interest-free repayment period.

Agricultural Bank of China credit cards are divided into personal cards and business cards according to different issuing objects. Personal cards are divided into main cards and supplementary cards. According to different credit levels, they are divided into platinum cards, gold cards and ordinary cards. According to currency They are divided into RMB cards and local and foreign currency combined cards. Credit cards will use different credit card organization logos such as VISA, MasterCard or China UnionPay.

The Agricultural Bank of China RMB card can only be used within the territory of the People's Republic of China. The combined local and foreign currency card can be used within the country and abroad. The credit card used within the country uses RMB as the settlement currency and can be used overseas. Use the account currency as the settlement currency.

Any individual with full capacity for civil conduct and legal income can apply for a main personal card from the Agricultural Bank of China with his or her valid identity document, and can also apply for an additional card for others. The validity period of the additional card is the same as that of the main card. If the card is the same as the main card, the cardholder has the right to request cancellation or stop payment of its supplementary card. All transactions with the supplementary card will be credited to the main card account.

After the application is approved, the card-issuing bank will determine the credit limit for the cardholder and adjust the credit limit based on changes in the cardholder's card usage and credit status. The maximum credit limit for personal cards is 50,000 yuan. The maximum credit limit for commercial cards in RMB and equivalent foreign currencies is the comprehensive credit limit 3 approved by the card-issuing bank. For entities that do not have a comprehensive credit limit for reference, the maximum credit limit is RMB 100,000 including equivalent foreign currencies.

The Agricultural Bank of China credit card is valid for up to three years. It will automatically expire if it is overdue. When the credit card expires, the issuing bank will automatically issue a new card to the cardholder. If you do not want to continue to use the credit card, you must advance The card-issuing bank will be notified within one month, and the creditor-debt relationship arising from the cardholder's use of the credit card will not be affected.

The applicant for the debt in the commercial card account must repay the debt in the foreign currency account of the commercial card by transfer from its basic deposit account. The applicant can transfer the repayment from its foreign exchange account. The use of this account It should comply with the relevant regulations on foreign exchange management. Commercial cards are not allowed to withdraw foreign currency cash within the country and are not allowed to store foreign currency funds.

A cardholder’s domestic cash advance per card shall not exceed RMB 2,000 per day. Cash advances at ATMs are limited to 5 times per card per day; overseas cash advances per card per day. The accumulated amount shall not exceed 1,000 US dollars or its equivalent in foreign currency, and the monthly accumulated amount shall not exceed 5,000 US dollars or its equivalent in foreign currency.

If the cardholder fails to repay the minimum repayment amount required by the card-issuing bank before the repayment due date and exceeds the credit limit approved by the card-issuing bank, in addition to paying loan interest, the minimum repayment amount must also be paid. Pay late fees and over-limit fees respectively for the outstanding portion of the credit limit and the portion exceeding the credit limit.

Extended information:

1. Application conditions

As long as you have a fixed residence in the location of the card issuing bank, a stable income and full civil capacity, you can apply Huinong Credit Card (personal card).

You can apply for a supplementary card for others who have full capacity for civil conduct.

2. Required application materials

Identity information must be provided. The card issuing bank has the right to require you to provide one or more credit certification materials such as income certificate, work certificate, and asset certificate. Several types; if you open a card by guarantee, you must provide identity information and guarantee information in accordance with the relevant regulations on the guarantee business of Agricultural Bank of China.

Baidu Encyclopedia-Agricultural Bank of China Credit Card