How to use the student card: the scope of use of the discount card, enjoy a 30% discount on the line fare in the unmanned ticketing line in the sixth district of Ningbo, and a 10% discount on the bus with POS machine installed in Yuyao. The balance in the discount card is valid for a long time, and it is only for the cardholder's own use, and it is not allowed to lend it to others.

selection principle

Student credit card selection principle

In foreign markets, student credit card business has matured. The data shows that as early as 2002, the proportion of American college students with credit cards was as high as 83%, and now it has grown to 50 universities with sales income of 2 million, and the average bad debt rate has remained at a very low level.

At present, there are190,000 college students in China, and the credit card market for college students has a huge development space. In recent years, the proportion of college students holding cards in Chinese mainland has also increased significantly, from 15. 1% in 2006 to 24% in 2007. Many domestic banks have launched student credit cards.

Faced with numerous credit cards, how should students choose? Credit cards are not "the more the better" or "something for nothing". Students should pay attention to the following aspects when choosing a credit card:

(1) Annual fee. Different banks and different types of credit cards have different regulations on annual fees and free annual fees. For ordinary students, it is better to save some energy. When you apply for a credit card, you should specify the annual fee.

(2) credit line. Banks will specify the maximum credit limit when promoting credit cards, but the credit limit for ordinary students will not be very high. Of course, generally speaking, the higher the credit limit, the better.

(3) the convenience of repayment. Choose a bank with many outlets and automatic deposit machines, or handle related accounts, online repayment, inter-bank transfer, convenience store repayment, etc. The more repayment methods, the more favorable the bank will be to the cardholder.

(4) installment payment. The rate of each bank is different, so choosing a bank with low handling fee can save a lot of money. For example, it cost a total of 3000 yuan. If 12 installments are repaid, one bank charges 0.5% each installment and the other needs to charge 0.72% each installment, then the former needs a handling fee of 180 yuan, and the latter needs 259.2 yuan, with a difference of 79.2 yuan.