Both have their advantages and disadvantages.
Minsheng bank card can be set with fingerprint login, and the transfer needs to match the verification code, which is more secure. There will be a voice prompt when the transfer is successful. The limit of single transfer is 200,000, and the number of single-day transfers is unlimited. And withdraw money from any bank without deducting money.
Ruian Rural Commercial Bank Card can also be fingerprinted and verified by transfer. The limit of a single transfer is 5 million, and there is no limit on a single day, which is also suitable for large transfers. However, there is a disadvantage that this bank is not automatically identified by the system, and there are rural commercial banks and rural credit cooperatives, which is a bit troublesome to choose.
What is the contact number of Ruian Rural Credit Cooperative?
Ruian Rural Credit Cooperative has been upgraded and renamed as Ruian Rural Commercial Bank with service hotlines of 96596 and 4008057702.
Brief introduction of rural commercial banks;
Ruralcommercialbank, referred to as rural commercial bank for short, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations. Rural cooperative banks should all be restructured into rural commercial banks.
Brief introduction of rural credit cooperatives:
RuralCreditCooperatives (rural credit cooperatives in English) refers to a rural cooperative financial institution established with the approval of the People's Bank of China, which is composed of members' shares, implements democratic management and mainly provides financial services for its 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.
Definition of shareholding system:
Share-holding system, also known as "share economy", refers to an economic organization form in which scattered factors of production belonging to different people are centralized, used uniformly, managed rationally, self-financed, and paid dividends by shares. It is also a form of enterprise property ownership.
The basic feature of the joint-stock system is the separation of ownership and use right of production factors, and the scattered use right is transformed into centralized use right on the premise of keeping the ownership unchanged.
Definition of financial services:
Financial service refers to the activities that financial institutions use currency transactions to finance valuable commodities and provide benefits and satisfaction for financial participants and customers. According to the contents of the annex of the World Trade Organization, the providers of financial services include the following types of institutions: insurance and related services, as well as all banks and other financial services (except insurance).
How to Solve the Abnormal Graphics Card of Ruian Rural Commercial Bank
Take your papers to the bank to thaw them.
Generally, the bank card is abnormal. In addition to system factors, you triggered the alarm of the system. You must ensure that your card is used legally and reasonably. I took my new valid ID card to the bank to update my ID card and unfreeze my account.
Handle the bank card of Ruian Rural Commercial Bank: bring my ID card and a small amount of cash to the bank's business outlets; Fill in the form with the assistance of the staff in the bank lobby; Take the number and queue up, and copy the ID card with the assistance of the staff; Call the counter number, go to the counter and give the completed form and ID card to the bank teller. When you apply for a credit card, you need to sign your name and enter your password. The password is six digits. After setting it up, you should remember it by yourself. This is the password for future withdrawals. After all formalities are completed, you will get a bank card. If you apply for online banking at the same time, you will also get a U shield. After finishing the card, take your things and leave.
Ruian Rural Commercial Credit Card Repayment Date
If the repayment date of rural commercial bank's credit card is 26th, and the settlement date is 30th of last month or 3 1, the debt can be paid off within 26th after the bill date. If it is overdue, it will not only generate late fees and interest, but also affect personal credit.
1. The late fee for overdue credit card is: 5% of the unpaid part of the minimum repayment amount.
2. Calculation formula of overdue interest of credit card: overdue interest of credit card = overdue days of consumption last month: 0.0005.
There are three figures in the above formula for calculating overdue interest of credit cards, namely overdue amount, overdue days and daily interest rate. Here are the meanings of these three numbers.
1. Last month's consumption
It should be noted that the overdue amount of credit card is not the amount owed, but the amount spent last month. In other words, if you spent 10000 yuan last month, even if you have paid back 9999 yuan, the overdue interest of the credit card will be calculated according to the debt of 10000 yuan.
So try not to generate overdue credit cards, otherwise the interest base will be too large if you spend a lot last month.
2. Days overdue
Because the overdue interest of credit cards is calculated on a daily basis, the number of overdue days of credit cards is also very important. The number of overdue days refers to the number of days from the bookkeeping date to the current bookkeeping date.
3. Daily interest rate
The daily interest rate of overdue interest on credit cards is uniform, which is 0.0005 per day.
The credit card introduction of Ruian Rural Commercial Bank ends here.