The cards of rural credit cooperatives are generally divided into three types: debit card, credit card and micro-loan card.

Debit card Debit card, also known as savings card, refers to a bank card with no overdraft function that can be consumed (or cashed out) after deposit.

Credit cards are also called credit cards, overdraft card. Refers to the credit card that the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. According to the credit card amount, it is divided into ordinary card and gold card. The amount of ordinary card is 50,000-20,000 yuan, and the minimum amount of gold card is1-50,000 yuan.

Microfinance cards are used to borrow money, and you can borrow them if you want. Micro-credit card is a financial payment tool for micro-agricultural loan customers in new countryside. In addition to the basic functions of debit card shopping, transfer settlement, cash deposit and withdrawal, it also has the function of small-scale agricultural loans, with the maximum amount not exceeding 300,000 yuan.

Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.

Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury. Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zheng Tong Rural Credit Cooperatives Training School, Credit Department of Rural Credit Cooperatives, etc. It is a department under the dual leadership of CBRC and the State Council.

References:

Rural credit cooperative-Baidu encyclopedia