Can graduate students apply for a credit card?

Graduate students at school can apply for a credit card. There are two situations:

1. The first one is if you don’t have a formal job. If you have a stable income, you cannot apply for credit cards from most banks. You can only apply for college student credit cards from individual banks such as China Construction Bank and ICBC, or apply for a supplementary card to the main credit card held by your parents. Because according to the requirements of the regulatory authorities, current high school students, college students, and those during internships (if the work unit cannot provide proof of employment) cannot apply for general main credit cards.

2. Second, if you are a graduate student and have a formal job, and your work unit can issue valid work and income certification documents with the official seal of the unit, you can apply as long as your age meets the bank's application conditions. If you provide the above certificates and your personal credit is in good condition, you can apply for a credit card.

As for the issue of credit limit, the credit limit approved for credit card processing is based on the applicant’s age, work, position, income and other factors, and cannot be simply estimated.

① Credit card is an unsecured credit loan product provided by banks, so the bank will have certain threshold requirements for applicants. Only applicants who meet the conditions can successfully apply for a credit card. The following is the first time to apply for a credit card Necessary conditions:

1. The applicant is over 18 years old and has full capacity for civil conduct;

2. The applicant has a stable job and income, and has the ability to repay credit card debts on time. ability to pay;

3. The applicant’s personal credit status is good.

② Applicants who meet the above basic conditions may have the opportunity to apply for an ordinary credit card. Bank credit cards are divided into levels, usually including regular card, gold card, platinum card and other levels. Among them, the easiest to apply for is the regular card. If you are applying for a gold card or above credit card, the applicant generally needs to provide some information. Proof of financial resources. If this is your first time applying for a credit card and your income is not high, it is recommended that it would be easier to apply for a regular card.

How to apply for a credit card as a graduate student

Go to the bank counter or go to the bank’s official website to apply.

The most important thing to apply for a bank credit card is to be over 18 years old, have a stable job and income, have good credit status, and be able to provide various supporting documents as required by the bank. Then you can apply for a credit card. If a graduate student does not have a formal job and a stable income, he or she cannot apply for a credit card from most banks. If a graduate student is studying, has a formal job, and is issued a certificate, and his age meets the bank's application conditions, he can apply. As for the application method, the most common way is to apply at the bank counter or on the bank’s official website.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.

Can graduate students apply for a credit card?

Graduate students can apply for bank credit cards. Because only natural persons who are over 18 years old and have full capacity for civil conduct can apply for a credit card. Therefore, college students can also apply for credit cards.

However, everyone also needs to note that when applying for a credit card, applicants are generally required to have a stable job and source of income. However, many graduate students do not work, so they do not have a stable source of income. This is This may make it more difficult for graduate students to apply for a credit card than for office workers. However, credit card applications will also look at academic qualifications, and as a graduate student, academic qualifications are a very good bonus, which can also help when applying for credit cards. Generally speaking, graduate students are eligible to apply for credit cards. As for whether you can successfully apply for a card, it depends on the overall qualifications of the applicant. If you meet the standards set by the bank, you can successfully apply for a bank credit card. And the higher the qualifications, the easier it is to apply, and the approved quota may be higher.

: Conditions for applying for a credit card:

1. Be at least 18 years old;

2. Have stable and legal income.

Information provided when applying for a credit card:

1. Copy of ID card;

2. Work certificate or income certificate;

3 , If you can also provide bank deposit receipts, real estate certificates, degree certificates, etc., your application approval process will be more convenient and faster.

4. If you have a foreign registered permanent residence, are an overseas personnel applying for a local job, or are an active-duty military officer applying for a credit card in your own name, some card-issuing banks may require you to present a temporary account issued by the local public security department or a relevant Certificate issued by the department (including work certificate).

5. Other conditions required by each card-issuing bank.

Procedure for applying for a credit card:

If you have the above conditions and relevant information, you can go to any bank branch to apply. You need to provide your ID card, guarantor's ID card, deposit (some banks require it), etc., and fill in an application form to the bank, and then you can apply for a credit card.

Can graduate students apply for a credit card?

Yes, you can apply for a student card.

The "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" has corresponding provisions:

Article 45 The issuing bank that issues student credit cards to the same applicant who meets the conditions shall not exceed Two (except supplementary cards). Before issuing a student credit card, the card-issuing bank must secure a secondary source of repayment.

Before increasing the student credit card limit, the card-issuing bank must obtain a written guarantee from the second source of repayment (parents, guardians, or other administrators, etc.) who agrees and is willing to repay the student credit card on their behalf.

Extended information:

Relevant legal provisions of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks":

Article 24 The monthly overdraft balance of the same account cannot be used by personal cards If the amount exceeds 50,000 yuan (including the equivalent), the corporate card shall not exceed 3% of the comprehensive credit limit of the card-issuing bank to the unit. There is no unit that can refer to the comprehensive credit limit.

For specially appointed merchants that sell goods or services through mail, telephone, television, and the Internet, acquiring banks should adopt special risk control measures, strengthen transaction monitoring, and increase the frequency of on-site inspections.

Article 25 The cardholder has the right to request a statement from the card-issuing bank within the specified time, and has the right to request inquiry or correction of discrepant accounts. After the loss report procedure is completed, the cardholder is no longer responsible for changes in funds in the corresponding card account.