What credit cards can students apply for (how can students apply for credit cards with limits)

1. What credit cards are better for students?

2. Can students apply for a credit card? Is there a limit?

3. What is the limit of the credit card issued by the student?

4. How do students apply for bank cards online?

1. Students are suitable to apply for a savings card from the Industrial and Commercial Bank of China, China Construction Bank or China Merchants Bank.

2. There are many branches of the above banks, and most schools have ATM machines next to or inside the school. It is relatively convenient to withdraw and deposit money.

3. Sometimes it depends on the situation. If you live in a rural area, you can choose the Postal Savings Bank of China. If you live in a city, you can choose China Construction Bank or Industrial and Commercial Bank of China.

4. Bank card application business process To apply for a bank card, you need to be over 16 years old. Those under 16 years old need to be accompanied by their guardian.

5. Those who are over 16 years old but under 18 years old can apply for a savings card or passbook at any bank outlet with the original or copy of their valid identity document, but they cannot open online banking services.

6. Adults over 18 years old can apply for a debit card by themselves and prepare a valid personal identity document or temporary identity card.

7. After confirming that the completed form is correct, submit it to the bank teller together with your ID card to successfully apply for a bank card.

What are the credit cards that college students can apply for

ICBC Peony Student Card, CCB Long Card College Student Card, Agricultural Bank of China Premium Card, CITIC Ioutiao Card, etc.

If students cannot provide proof of employment and income, and cannot guarantee normal repayment, banks will still be very strict in reviewing students’ card applications, so they will consider issuing cards to students. , some banks have launched exclusive credit cards for young people, such as Industrial and Commercial Bank of China Peony Student Card, China Construction Bank Dragon Card College Student Card, Agricultural Bank of China Excellent Card (campus version), China Merchants Bank CITIC I-Tiao Card, etc.

ICBC Peony Student Card. The application conditions are that you must be over 18 years old and have full capacity for civil conduct. The first contact person must be your parents or spouse. You must go to the branch with your ID card and student ID card to apply. Online application is not supported. And you must have a certain deposit in ICBC or your parents as a guarantee for the repayment. The credit limit is 500 yuan for undergraduate students, 1,000 yuan for master's students, and 2,000 yuan for doctoral students. The maximum interest-free repayment period is 56 days, and repayments can be divided into 3-24 months. Peony Student Card is an international credit card product specially designed by Industrial and Commercial Bank of China for college students and graduate students. The annual fee is waived in the first year, and cardholders can reduce the annual fee for the following year by swiping the card three times or spending over 3,000 yuan. In addition, ICBC will also provide credit reports to students with good card-holding records.

CCB Long Card College Student Card. As long as full-time undergraduate students over 18 years old can apply for a CCB college student credit card, remember to bring a copy of your ID card and student ID card. Relevant statement materials are also required to apply for the card, which must be filled in and submitted by your parents or relatives. The credit limit is 1,000 yuan for undergraduates, 3,000-5,000 yuan for masters, and 5,000 yuan for doctoral students. The longest interest-free period is 50 days, and repayment can be divided into 3-12 months.

Agricultural Bank of China Premium Card. There is no guarantor or deposit required for the secondary card. You only need to provide your student ID card (freshmen who have not received a student ID card can use the admission notice instead) and a copy of their ID card to apply for the card and enjoy the discount of points for swiping the card. The credit limit is generally 500 yuan, with a maximum of 2,000 yuan. Provides an interest-free repayment period of up to 56 days, and currently does not provide installment repayment services.

CITIC Baitiao Card. The special function of CITIC Baitiao Card is that it cooperates with JD Baitiao to help students develop personal credit records while they are in school. Moreover, CITIC Baitiao Card can provide cardholders with an interest-free period of more than 80 days, and users of JD Baitiao can also enjoy 30 days of interest-free period. Cardholders can swipe the card or withdraw cash once to avoid the first-year annual fee, and swipe the card or withdraw cash 5 times to avoid the annual fee for the following year.

Which bank can apply for student credit card now?

China Merchants Bank can apply for student credit card.

1. League of Legends Timoka Campus Edition

Exclusively for college students, the hero card face shows off your personality, and there are no additional conditions and no annual fee during the validity period. That is to say, if you hold the card within the validity period of the card, there will be no additional consumption conditions, and your credit card annual fee will be waived. Before successfully applying for a non-campus credit card after graduation, the first two cash advance fees will be waived if you use this card to withdraw cash through ATM machines and other channels every month.

2. Hello Kitty Cardamom Year Card Campus Edition

Exclusively for college students. If you meet the standard, you will get a free Hello Kitty thermos cup. After passing the preliminary review, you need to go to the China Merchants Bank branch in the city where the school is located to sign for confirmation with the received text message and ID card. The validity period is 30 days.

3. NBA Co-branded Card Piston Card Campus Edition

Exclusively for college students, your home team, a legend appears, and new customers will receive an NBA sports bag if they meet the standard. After the customer successfully collects the credit limit, a MasterCard full-currency international credit card will be issued at the same time. Holding this card can enjoy global visa discounts for 18 countries and 183 types of visas with free service fees and discounts starting from 99 yuan for visas to 14 countries around the world.

4. China Merchants Bank FGO Musashi Card Campus Edition

New accounts that meet the standard will receive an FGO official limited card booklet, apply for the personal version of China Merchants Bank FGO co-branded credit card, and the annual fee will be waived in the first year. If you make 6 purchases with a single card within a full year of validity of the card (no limit on amount or form, online credit card payments are also included), the annual fee for the card for the next year can be reduced or exempted; apply for the campus version of China Merchants Bank FGO co-branded credit card, and after holding the card There is no annual fee during the validity period with no additional conditions.

5. NBA co-branded card Mavericks Card Campus Edition

Exclusively for college students, new customers will receive an NBA sports bag if they meet the standard. After the customer successfully collects the credit limit, a MasterCard full-currency international credit card will be issued at the same time. With this card, you can enjoy free Wi-Fi around the world. Cardholders who purchase overseas Wi-Fi rental services on the official website of Youyou Mobile and pay with an applicable MasterCard card can enjoy the first two days free of charge and discounts on the remaining days.

Which bank can college students apply for credit cards?

Now many banks can apply for credit cards for college students. For example, you can apply for the "League of Legends Card" at China Merchants Bank, the "Excellent Card" at the Agricultural Bank of China, the "Peony Student Card" at the Industrial and Commercial Bank of China, the "CITIC I Card" at CITIC Bank, and the "CITIC I Card" at Shanghai Pudong Development Bank. Apply for "College Youth Card", "Prestigious School Card", "Long Card College Student Card", etc. at China Construction Bank.

Generally, after college students apply for a credit card, they will get a "version" of the credit card, which the bank calls a "student exclusive credit card." The difference from a normal credit card is that its credit limit is much smaller than a normal credit card, and the limit is about a few hundred yuan.

To apply for a credit card, you need to meet the following conditions: 1. Chinese citizens who are over 18 years old but less than 65 years old; 2. Valid identity certificate, copies and other documents; 3. Have a stable income or stable income job (with the ability to repay); 4. No bad credit record or good credit certificate. 5. If there is a guarantor, please present the guarantor’s identity certificate, income certificate, guarantee agreement, etc.

The general process for applying for a credit card:

1. You can bring your ID card and other documents to a local bank branch to apply.

First fill in the relevant application form, submit the form, and submit proof of income or employment, credit certificate and other materials. Waiting for bank approval. The application was successful and a credit card was obtained.

2. You can apply online.

Open your browser and log in to the official website of the bank where you want to apply for a credit card. Select the type of credit card you want to apply for, and follow the prompts to verify your identity, fill in your personal information and other information. Awaiting review. Application completed.

Note: (1) China Construction Bank’s “Famous School Card” only accepts college students from 985 or 211 universities to apply for credit cards.

(2) The "Excellent Card" processing mechanism of the Agricultural Bank of China is very strict, and any bad behavior such as overdue use of the Agricultural Bank of China's Excellent Card cannot occur, otherwise the card will be suspended immediately.

(3) Shanghai Pudong Development Bank’s “College Youth Card” has an initial limit of 0, but the limit can be increased to more than 2,000 after submitting proof of enrollment and second proof of repayment, and can be increased to more than 4,000 for graduate students. Recommended.

What are the credit cards that students can apply for

Some banks have launched exclusive credit cards for young people, such as Industrial and Commercial Bank of China Peony Student Card, China Construction Bank Long Card College Student Card, Agricultural Bank of China Excellent Card (Campus Edition), China Merchants Bank Young Card (Campus Edition), etc. If the student cannot provide proof of employment and income, and cannot guarantee normal repayment, the bank will still be cautious in reviewing the student's card application, but will also consider issuing a card to the student

In addition to applying for a parent's credit card as the primary card, the bank In addition to supplementary cards, you can also apply for the following credit cards:

1. Young card dual-currency credit card is a credit card specially targeted at college students. The application method is relatively simple. You only need to provide your identity information and your personal information. Proof of assets.

2. Peony Student Card is a dual-currency credit card product specially designed for college students and graduate students. Those who need to be in 211 key universities directly under the Ministry of Education or above, or those who have positions in colleges and universities can be considered.

3. Fantasy card is also a good choice. It is also a credit card for students. It also requires proof of enrollment and university cadres.

: Credit card is also called a credit card. A credit certificate issued by a commercial bank or credit card company to a credit-qualified consumer. 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.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

Bank card. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs. Not a bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

This ends the introduction about which bank’s credit card can students apply for and which bank’s credit card can students apply for. Have you found the information you need?