According to the Notice on Further Regulating Credit Card Business issued by CBRC, it is stipulated that banks shall not issue credit cards (except supplementary cards) to students under the age of 18. When issuing credit cards to students who have reached the age of 18 but have no fixed job or stable income source, the second repayment source must be confirmed, and the second repayment source should have the corresponding repayment ability.

According to the above regulations, if students want to apply for a credit card, they need parents' endorsement. Once the cardholder fails to repay the debt, the bank can confidently ask his parents, the second repayment source, for money.

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There are many 18-year-old well-off college students with strong spending power. Because they have no stable income, they are not suitable for applying for most credit cards. If you really want a credit card, you can use the immediate family credit card and ask the cardholder to open a secondary card account for you. There are few requirements for opening a secondary card account, which is very easy to realize. It is also a good way to have a credit card.

Credit card is a kind of financial tool that can be consumed first and then repaid, that is, bank money is used when consuming, and timely repayment is the accumulation of personal credit. However, if you neglect your repayment ability because you can overdraw, you will be unable to repay, which will increase your economic burden and affect your personal credit. Therefore, even if you have a card, you should measure your repayment ability and use it reasonably.