A 1: On campus, there are often some credit card agents who claim to be authorized by the bank and set up stalls to advertise, saying that they can help with credit cards and even help students cash out. However, it is worth noting that credit cards can be overdrawn. You can't handle it through some illegal intermediaries for convenience or to obtain a higher credit limit, and you can't take the initiative to participate in credit card cashing. Once improperly used, it will have a negative impact on personal credit status. Therefore, as a freshman, it is recommended not to handle credit cards easily through illegal intermediaries. To apply for a credit card through formal channels, the applicant should go directly to the bank counter.

A2: Freshmen should always pay attention to safety when setting passwords for newly opened bank cards. For example, do not set simple passwords such as 123456 and 88888; Don't use your birthday, home phone number, etc. As a password. Under no circumstances should you easily disclose account information such as bank card password to others. Remember to open the SMS reminder function when handling the card to ensure that you know the change of the amount in the card at the first time.

In addition, freshmen should pay attention to the protection of personal information when opening a card to prevent personal information from being abused by criminals. For example, when a bank business needs to leave a copy of its ID card, it is best to indicate the purpose on the copy. The "last three codes" on the back of the bank card is the "second password" of the bank card, so be sure to keep it confidential. It is recommended to cover the "last three yards" with adhesive tape. In order to guard against the risks of online banking and mobile banking, freshmen must protect their account numbers, passwords, ID numbers and other important information, and at the same time log in to the correct website to be alert to online and online shopping.

A3: At present, some schools will issue unified bank cards to students, and send them to freshmen together with the admission notice. However, it is worth noting that this practice in schools is not desirable. Citizenship information belongs to personal privacy, and the establishment of bank card service contract relationship between banks and customers is also a civil legal relationship, which needs to be signed by myself and the bank, and universities cannot directly replace civil subjects. As a "monopoly" institution and an "organization authorized by laws and regulations to manage public affairs", schools recommend or force students to use specific bank cards, which is suspected of illegal monopoly and unfair competition. Without the authorization of freshmen, freshmen can refuse to use the bank card handled in advance by the school.

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