Generally speaking, as a student, the credit card limit is definitely not too high, and it is partly related to the academic qualifications. The limit is between 500-10,000. The main credit cards for students include China Merchants Bank Young Card, China Construction Bank College Student Card, Industrial and Commercial Peony Student Card, etc. Below is a comparison of some general overdraft limits for college students. Of course, the specific details still depend on the credit certificate.

Peony student card: 500 yuan for undergraduate students, 1,000 yuan for master’s students, and 2,000 yuan for doctoral students.

Longka student card: 1,000 yuan for undergraduates, 3,000 yuan for masters, and 5,000 yuan for doctoral students.

ABC Premium Card: 500 yuan, up to 2,000 yuan.

Guangfa Fantasy Card: 2,000 yuan for undergraduates, 4,000 yuan for masters, and 6,000 yuan for doctoral students.

Everyone’s credit card limit is different. College students will only get bonus points when applying for a credit card, but it does not mean that the credit card approval limit will definitely be high. When the bank approves the credit limit of a card applicant, it will calculate it based on more than ten dimensions, such as credit, work, education, assets, family and other factors, and finally give a reasonable credit limit.

The limits of student credit cards are generally not high, and the maximum limit for college students is only about 2,000 yuan. And generally banks have overdraft restrictions, and one consumption cannot exceed 60%. Student credit cards generally cannot withdraw more than 1,500 yuan, and the specifics depend on the bank's limit regulations.

1. Credit cards have a bookkeeping function, which can help college students form the habit of bookkeeping; in addition, credit cards have a certain interest-free period. When you encounter insufficient pocket money in daily life, credit cards can It can solve problems at no cost, and eliminates the trouble of borrowing money from others; finally, as long as you repay on time and have no overdue repayment record, a credit card can establish a good personal credit record, which will help students apply for loans, work, start a business, etc. It will be more beneficial when traveling abroad and other activities.

2. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.