The interest on the Agricultural Bank of China Gold Card is 4.9%.
According to the unified regulations of the People's Bank of China, the Agricultural Bank charges a daily interest rate of 0.5 ‰, with monthly compound interest. (Interest is not calculated during the interest-free period) Agricultural Bank adopts the calculation method of revolving credit interest. Revolving credit: Revolving credit is a small amount of daily interest.
The interest on the Agricultural Bank loan is
1. Short-term loans: 4.35% medium and long-term loans within one year (including one year):
2. Medium and long-term loans: 4.75% for one to five years (including five years) and 4.90% for more than five years.
Is the Agricultural Bank Gold Card a credit card?
Agricultural Bank of China Gold Card is not a credit card, but a credit card is a card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay within the credit limit. The functions of credit card and credit card are basically the same. The main difference is that the gold card of Agricultural Bank of China is just a general term for agricultural bank card, debit card and credit card.
Credit cards include credit cards and quasi-credit cards. Credit cards have overdraft function and provide interest-free period for consumption, but time deposits generally have no interest. Quasi-credit cards also provide overdraft function and have no interest-free period. Overdraft requires high overdraft interest.
What is the gold card limit of Agricultural Bank credit card?
Credit card limit of Agricultural Bank:
1. The maximum overdraft limit of credit card personal Capka of Agricultural Bank of China is 50,000 yuan (including the equivalent amount).
2. The overdraft limit of China Agricultural Bank's credit card gold card is RMB 200,000.
3. The minimum overdraft limit of Platinum Card is RMB 654.38+10,000 Yuan, and the maximum overdraft limit is RMB 1 10,000 Yuan.
4. For corporate cards, the maximum overdraft limit of comprehensive credit granted by customers is 3%, which shall not exceed 3 million yuan. If there is no comprehensive credit line, the maximum overdraft limit is RMB 6,543,800+0,000.
The overdraft limit of a credit card is also directly related to the relevant materials and information of the cardholder at the time of application. For example, personal income, real estate, vehicles and the nature of personal work are used as proof materials to limit the upper limit of credit cards. The overdraft limit of the same credit card will increase with the cardholder's consumption limit, and it will automatically increase within half a year or a year.
Extended data
Credit card application conditions:
As long as you have a fixed residence, stable income and full capacity for civil conduct in the place where the issuing bank is located, you can apply for Huinong credit card (personal card).
You can apply for supplementary cards for other people with full capacity for civil conduct.
Application materials to be provided:
You must provide your identity information, and the issuing bank has the right to ask you to provide one or more credit information such as income certificate, work certificate and asset certificate; If the card is opened by way of guarantee, the identity information and guarantee information shall be provided in accordance with the relevant provisions of the guarantee business of Agricultural Bank of China.