1. Whether the convenience card of Hunan Rural Commercial Bank can be renewed after its expiration depends on the situation. Under normal circumstances, the longest validity period of the convenience card of a rural commercial bank is three years, and the validity period of a single loan is one year. If the loan expires within one year, you can pay off the funds first and then borrow it in the form of self-help loan; If you want to renew the loan after the longest validity period of three years, you must apply to the rural commercial bank again.
2. Those who meet the basic conditions of the borrower in the Detailed Rules for the Implementation of Personal Loan Management of Hunan Rural Credit Cooperatives may apply. A family can only apply for a convenience card in Hunan Rural Credit Cooperative. Loan application, loan investigation, credit rating, business approval, contract signing and card issuance. The credit line starts at 1000 yuan, with a maximum of 500,000 yuan. In principle, the credit period is 1 year, and the longest is not more than 3 years.
About convenience cards
1, and the single loan amount is not less than 1000 yuan. The borrower may repay the loan in advance at any time, but it shall not be extended. Revolving loans can be reused within the period and amount agreed in the contract. Loan interest rate and interest settlement method. The loan interest rate is subject to the provisions of the issuing bank, and the interest settlement method can be monthly settlement, quarterly settlement or irregular settlement. The borrower can handle the repayment inquiry business at the counter of a branch of Hunan Rural Credit Cooperative. The loss can be reported through the customer service hotline 965 18 or the first branch of Hunan Rural Credit Cooperative. Written loss reporting, card replacement and card replacement must be handled at the card issuing outlets. Convenience card is a debit card product with micro-credit function, which is carefully created by Hunan Rural Credit Cooperative for farmers, self-employed, urban residents and small and micro-business owners. It is an organic combination of traditional credit business and electronic banking business. It is not only a symbol of the cardholder's credit status, but also a new mode of modern business and consumption.
2. Simple procedures: once you go through the loan procedures, you can recover the maximum credit fund of 500,000 yuan within 1-3 years. Convenient use of money: you can repay the loan at the counters of more than 4,000 outlets of rural credit cooperatives in Hunan Province, which can be borrowed and returned, borrowed and returned, and can be recycled. Flexible guarantee: customers can comprehensively use credit, guarantee, mortgage, pledge and other guarantee methods to provide combined guarantee to solve the problem of insufficient guarantee and meet their own capital needs to the maximum extent. Safe and reliable: in addition to the transaction password, you can also set the loan password separately, and enjoy the intimate reminder service of Fuxiang SMS, effectively ensuring the safety of funds.
3. Low cost: customers can accurately choose the amount of each loan according to the actual capital demand, and can repay part of the loan at any time when they have surplus funds at hand to minimize interest expenses; In addition, the issuer implements the loan interest rate of the same grade in the same period, and fully implements the debit card charging standard for transactions such as cash withdrawal and transfer, and does not charge other extra fees. Full-featured: In addition to the loan function, it also has all the functions of cash deposit and withdrawal, transfer, POS consumption, online payment, collection and payment, self-service banking, online banking, telephone banking and so on. It can be used at ATMs and POS machines with UnionPay logo in overseas 135 countries and regions. Preferential treatment: you can enjoy preferential treatment through the assured purchase channel of agricultural products of UnionPay Agricultural and Commercial Alliance.