Most rural credit cooperatives do not provide credit cards (debit cards) for application, and only a few rural credit cooperatives in provinces and regions provide card application services, and there are very few types of credit cards (debit cards) that can be handled. If you want to apply for a credit card (debit card) in a rural credit cooperative, it is recommended to consult a specific branch or bank official website.
Rural credit cooperatives credit card (debit card) application conditions:
1. Applicant 18 years old or above, with independent capacity for civil conduct;
2. Have a stable job and income, and have a certain repayment ability;
3. Have certain business dealings with rural credit cooperatives, preferably with large deposits;
4. Good credit information and no bad credit record.
Will the nature of debit cards of rural credit cooperatives change?
No. Rural credit cooperative is the abbreviation of rural credit cooperative. It is a cooperative financial organization with the nature of rural collective ownership. The nature of rural credit cooperatives changing debit cards into credit cards will not change. The loan card refers to the magnetic stripe card issued by the branch of the People's Bank of China to the borrower or guarantor for the enterprise credit information system.
What bank cards can rural credit cooperatives handle?
The cards of rural credit cooperatives are generally divided into three types: debit card, credit card and debit 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.
Cards are used to borrow money. You can borrow them. Card is a financial payment tool for the vast number of small 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 the provisions of 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 restrict and crack down. 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.