Generally, you need to provide a copy of your ID card, a copy of your student ID card or the original certificate of your department. Some banks may also ask you to show other cards issued by the school.

2. Credit cards suitable for college students

At present, there are six kinds of credit cards for college students: Peony Student Card issued by ICBC, Longka Student Card issued by China Construction Bank, Youka Card issued by Agricultural Bank, Young Card issued by China Merchants Bank, Fantasy Card issued by Guangdong Development Bank and I Card issued by China CITIC Bank.

3. About interest-free.

Banks use interest-free installment payment as a selling point, but in fact, although cardholders do not need to pay interest, they have to pay a certain handling fee, which may be greater than overdraft interest. For example, if you use the Peony Student Card of Industrial and Commercial Bank of China for installment payment, you need to pay a one-time fee of 165438+ 0.7% of the total installment amount to the bank if you want to repay in installments in the next 18 months.

If the payment is made in full before the repayment date, the cardholder does not need to pay the overdraft interest from the credit card billing date to the repayment date. So how long is the time from the billing date to the repayment date of the credit card? Different banks have different regulations, such as 25 days in China Industrial and Commercial Bank and 20 days in China Construction Bank. Cardholders can only enjoy the longest interest-free period of the month of 3 1 day if they swipe their cards the day after the bank statement is issued.

4. College students' credit cards are swiped in different places and pay handling fees.

College students' credit cards are all credit cards with UnionPay logo, which can be used at POS machines all over the country without extra handling fees.

5. The credit limit of college students' credit cards.

After using the credit card for half a year, college students can apply to the bank to increase the credit limit. The bank will comprehensively consider the use of credit cards and other factors to evaluate the comprehensive credit of cardholders. The application quota for pure college students is relatively low. If only college students or graduate students apply for credit cards, the success rate is about 50%, and the amount is relatively low, generally not exceeding 3,000 yuan. Some banks only approve 500 yuan's credit cards, or even lower.