Examples of the Challenge Cup winning works are the use of credit cards by college students and research.

With the diversification of credit card types, traditional credit methods are also changing, and the advantages of credit cards themselves are gradually emerging. For example, cardholders enjoy an interest-free repayment period of up to 50 days and bill installments. , free insurance, free airport pick-up, consumer discounts, etc.

The convenience and affordability of these credit cards have led more and more college students to gradually start using credit cards for consumption. It can be summarized as the following main reasons.

First, credit card consumption is convenient and fast, and there is no need to carry cash. POS machines are gradually installed and used in various supermarkets, shopping malls, and shopping malls. When checking out, you only need to swipe the card, eliminating the need for cash consumption. unsafe, change and other inconveniences. And some students also believe that using credit cards is a symbol of being fashionable.

Secondly, major banks have set up promotion points in colleges and universities. For example, China Merchants Bank offers free trolley cases when applying for a card, and preferential activities such as watching movies for one yuan when applying for a Bank of China card have attracted the desire of college students to apply for cards.

Thirdly, for college students studying abroad, dual-currency credit cards and full-currency credit cards allow students studying abroad to spend money in foreign currencies, and their family members can repay the debt in RMB at home, which greatly facilitates card holders. It also helps parents keep track of their children's use of funds.

Looking at the development of college student credit cards, from the issuance of the first college student credit card in 2004 to the promulgation of documents by the China Banking Regulatory Commission in 2009, major banks have reduced their credit card business.

When major commercial banks formulate, issue and promote credit cards for college students, they have more or less problems. These problems are also important factors that currently hinder the issuance of credit cards for college students.