The cards of rural credit cooperatives can be divided into debit cards and credit cards.

1, credit card. Credit cards are also called credit cards, overdraft card, which have the same functions as the credit cards we usually use.

2. Debit card. Debit cards have no overdraft function, so you can only deposit money in your debit card account before you can withdraw money and transfer money. One of the debit cards is called Fu Nong Card, which can be used to handle++by yourself.

Rural credit cooperatives are banking financial institutions. The so-called banking financial institutions are also called deposit institutions and deposit currency banks. They are characterized by taking deposits as their main liabilities, granting loans as their main assets, and handling transfer and settlement as their main intermediary business, and directly participating in the process of creating deposit currency.

Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions whose main purpose is mutual assistance, referred to as "credit cooperatives", which carry out deposit and loan business among members for the purpose of mutual assistance and self-help.

Excuse me, is the credit card of the rural credit cooperative a debit card or a credit card?

Hello! Whether it is a rural credit cooperative, a rural cooperative bank or a rural commercial bank, it is a formal and standardized UnionPay card.

First, the cards of rural credit cooperatives can be divided into debit cards and credit cards.

1, credit card. Credit cards are also called credit cards, overdraft card, which have the same functions as the credit cards we usually use.

2. Debit card. Debit cards have no overdraft function, so you can only deposit money in your debit card account before you can withdraw money and transfer money. One of the debit cards is called Fu Nong Card, which can be used to handle++by yourself.

Two. Brief introduction of rural credit cooperatives:

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 combat+++. Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.

Second, the characteristics of rural credit cooperatives:

As a banking financial institution, rural credit cooperatives have their own characteristics, mainly manifested in:

1, farmers and other individuals in rural areas jointly form cooperative financial organizations whose main purpose is mutual assistance. Its business operation is managed and operated by the personnel designated by the members on the basis of democratic election and is responsible to the members. Its highest authority is the member congress, and the executive body responsible for managing specific affairs and business operations is the Council.

2. The main sources of funds are shares paid by cooperative members, retained provident fund and absorbed deposits; Loans are mainly used to solve the capital needs of its members. At first, it mainly issued short-term production and living loans and consumer loans. Later, with the economic development, it gradually broadened the channels of borrowing, which is no different from commercial bank loans.

3. Because the business object is a cooperative member, the business process is simple and flexible. The main tasks of rural credit cooperatives are to organize and standardize rural funds, support agricultural production and comprehensive rural development, support members' various forms of cooperative economy and family economy, and limit and crack down on++.

What bank cards can rural credit cooperatives handle?

The cards of rural credit cooperatives are generally divided into debit cards, credit cards and++cards.

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.

++++cards are for lending and can be borrowed with you. ++++card is a financial payment tool for small-scale agricultural loan customers in new countryside. In addition to the basic functions of debit cards such as shopping, transfer and settlement, cash deposit and withdrawal, it also has the function of small-scale agricultural loans, with the maximum amount not exceeding 300,000 yuan.

RuralCreditCooperatives (hereinafter referred to as 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 combat+++. 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

What kind of card does the rural credit cooperative belong to? How to bind wechat

Rural credit cooperatives have debit cards and savings cards. Rural credit cooperatives are also called rural commercial banks.

Steps to bind WeChat to the bank card of rural credit cooperatives:

1. Open the mobile version of WeChat and log in with mobile phone number+verification code or password+micro signal.

2. Enter WeChat, and on the "Me" page, click the "Pay" option below the avatar.

3. Enter the WeChat change page, you can see your change remaining, and click the "wallet" option.

4. Go to the "Wallet" page, click "Bank Card" in the third line, and you will see all the bank cards bound by WeChat.

5. Click "Add Bank Card". At this time, please note that the bound bank card must be the same person as the identity information of the previously bound bank.

6. On the "Add Bank Card" page, enter the cardholder's name, that is, the ID card of the bank card, and just enter++.

7. On the "Write Bank Card Information" page, enter which bank the bank card belongs to, and the rural credit cooperative is the rural commercial card. The type of card will be indicated on the front of the ID card, and the mobile phone is the mobile phone number reserved when handling the bank card at that time.

8. Click Next to see the newly added bank card on the bank card information page.

So much for the introduction of credit card types of rural credit cooperatives.