"Buying things with a credit card often doesn't feel like spending money, because you can't see the savings decrease, but you will be surprised when the bill comes out." Mimi (pseudonym), who has graduated for two years, cancelled all her credit cards at the end of last year because of her vague feeling about credit card consumption. The meal is still the same, but what about students' ability to control credit cards and their consumption concepts? Recently, there has been a heated discussion about whether to ban the issuance of credit cards to students in schools.

during the two sessions this year, a NPC representative mentioned in his proposal that "it is forbidden to handle credit cards for students at school and provide financial services related to advanced consumption such as installment payment". The topic rushed to Weibo for hot search, with nearly 3 million readings.

According to the people in the industry interviewed, it is more important to let "good money drive out bad money" than to give up food because of choking, and it is more important to correctly guide students' consumption concept. Completing the initial establishment of credit files on campus is also conducive to personal employment in the future.

The topic rushed to the hot search, and nearly 7% of netizens agreed that "it should be banned"

The voting result of the topic.

Some netizens support banning student credit cards.

Some netizens think that students can apply for a credit card, provided that the guardian agrees in writing. A netizen said, "the starting point of the suggestion is good, but it is best to keep the credit card." It is right to discourage students from spending in advance. What should be banned are so-called online loans and usury, such as pervasive campus loans and routine loans. These are the real killers. If campus credit cards are really banned, which crack will those routine loans come out to harm students, or even worse. Therefore, norms are more important, not across the board. "

Some netizens are against banning students' credit cards.

At present, many prime banks can handle student credit cards, but there are thresholds or quotas.

In fact, as early as 22, banks have implemented credit cards for college students. However, with the serious overdraft of students and frequent repayment by parents, the risk of bad debts of banks has increased. In 29, the supervision greatly raised the threshold for issuing credit cards to college students, so banks basically withdrew from the campus credit card market.

After the rise of online finance, the campus loan business has been "played badly" by "naked" and usury. In 217, the Ministry of Education and other ministries and commissions issued documents to regulate the management of "campus loans", clarifying that no online lending institution may issue loans to college students, and encouraging formal commercial banks to issue small credit loans to college students.

According to the insiders, what is more important is not to stop eating, but to guide correctly.

Mimi, who graduated from college for more than two years, cancelled all her credit cards at the end of last year. "Buying things with a credit card often doesn't feel like spending money, because you can't see the decrease in deposits, but you will be surprised when the bill comes out." She said she didn't have a credit card at school. Although I earn money by doing odd jobs in winter and summer vacations, I mainly rely on my parents' fixed monthly living expenses. Occasionally, I spend too much, and I am embarrassed to take care of my parents. If she has a credit card, the amount of expenditure may be vague and the cost will be more.

"Students' spending power is not low. At present, some online loan products are also reported by the central bank. From the perspective of employers, it is better to recruit employees with good credit records than to recruit employees with zero credit records. " However, some banks still pay attention to giving gifts and points when promoting credit cards, he said. Some online platforms have low thresholds, rapid growth and full compensation reduction, all for profit. Financial education and credit education should be strengthened.

Huang, a researcher at the Internet Finance Research Center of Suning Financial Research Institute, also believes that credit cards cannot be banned across the board. While seeing its influence on students, we should also see its positive side. For example, from the nature of payment tools, credit cards bring convenient payment to both merchants and consumers, which is conducive to promoting consumption; Through the issuance of credit cards or quasi-credit cards, students can also complete the initial establishment of credit files before leaving school, which is conducive to the improvement of the student groups themselves, the domestic credit information system and the financial consumption system.

For another example, he said,

"You can't give up eating because of choking, but you can control it through the system. For example, it is stipulated that the student's credit card limit cannot exceed 2, yuan or 5, yuan, and even risk-taking behavior can be controlled. In the case of controllable risks, guide students to develop good habits and comprehensively consider the wishes of guardians. " Huang Xiang suggested.

As mentioned above, in recent years, credit products on Internet platforms have emerged in an endless stream, and some head platforms have begun to limit the credit line of students. Huang said that it is necessary to strengthen the supervision of online loans, and at the same time avoid a "one size fits all" complete closure. At present, these products have penetrated into all aspects of our lives, and it is very easy for contemporary youth to contact a large number of loan products. It is necessary to use high standards and perfect supervision to guide the use of products and let good money drive out bad money, otherwise other non-compliant products may take advantage of it.

In recent years, many delegates and CPPCC members have also put forward their own suggestions around this topic, such as developing targeted consumer financial products in colleges and universities, reasonably setting consumer credit lines and expected annualized interest rates to make these products conform to inclusive finance's attributes; Set up the course of "Financial Knowledge and Consumption View" to popularize financial knowledge. Related questions and answers: Is there a credit card limit for college students

1. It's just that college students don't have a stable source of income, so the credit card they apply for usually doesn't have a high limit. Because students' repayment ability is not strong, banks generally only grant a few thousand yuan to college students.

2. And without parents, insurance companies or third-party financial companies as the second repayment source, the credit card limit of college students is basically zero. In addition, generally speaking, the higher the educational background, the higher the approved card quota may be.

3. At present, if college students apply for credit cards, the higher the applicant's education, the higher the credit card amount they can apply for. Like a bachelor's degree, the credit card limit is generally between 5 and 2 yuan; If a master applies for a credit card, the amount will usually be around 1, to 4, yuan. Related questions and answers: How do college students apply for credit cards?

a payroll card is an original record card for recording the payment of wages, usually an ordinary debit card, and a bank card that needs to be deposited before it can be used. Credit cards are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when they hold credit cards, and they will pay back when they are billed, usually in the form of non-cash transaction payment, which has the credit service of early consumption.

Usually, when you apply for a credit card, the bank will check your bank credit record through your personal ID card, mainly from your mortgage repayment record, monthly credit card repayment and other loan records to check whether you repay on time. If you are often overdue or have a low credit score, your credit card approval will usually fail. Then the question is, how can I apply for the first credit card quickly?

At this time, it is best to apply with a salary card or a bank card with a large monthly flow. As long as it is a bank card with a fixed inflow and a large transfer amount, the pass rate of applying for a credit card is usually higher. When applying for a credit card from the same bank, all your records can be easily queried by the bank, and your personal financial situation can be easily estimated and audited by the bank computer, which is very helpful for applying for the first credit card in the early stage. A bank card with a fixed flow and a large transfer amount just meets the needs of the use of funds. Credit cards play the role of early consumption and convenient turnover, which can also make their own approval pass quickly. It is easier to pass the credit card approval because it is a salary card and has frequent access to water.