Students need certain age and income conditions to apply for a credit card. Generally speaking, the applicant must be 18 years old and have a fixed income. In most cases, students have no fixed source of income and need to provide credit guarantees to other guarantors to support their credit card applications. Some banks will provide special credit card policies for college students, such as low credit limit, points and preferential activities that are more suitable for students' life needs.

In addition, students need a good credit record to apply for a credit card. The bank will check the applicant's credit history, such as loan default, breach of credit contract and other bad overdraft events, which may have a negative impact on the credit card application. If students have never used a credit card or other credit products before, it is recommended to apply for a credit card with a low credit limit and establish a credit record, so that it is easier to obtain a higher credit limit in the future.

Finally, students need to have certain financial management ability to run a credit card. The biggest danger of credit card is abuse. Excessive consumption or non-performance of repayment obligations will lead to credit risk and debt risk. Therefore, before applying for a credit card, students need to have a clear understanding and control of their consumption habits and make a reasonable consumption plan and repayment plan. Only on the premise of rationality and prudence can students make better use of credit cards and enjoy a series of preferential and credit services.