Hello, this card friend, although you are over 18 years old, because you are still relatively young, your application for a credit card will probably not be approved, and the bank will think that you do not have enough credit. ability to repay debts. But if you are still a student, you can try to apply for a college student credit card. This type of credit card is easier to be approved because this type of credit card is mainly for college students.

Currently, there are six types of credit cards available for college students to choose from, including the "Peony Student Card" issued by the Industrial and Commercial Bank of China, the "Dragon Card College Student Card" issued by China Construction Bank, and the "Peony Student Card" issued by the Agricultural Bank of China. "Youka", "I Card" issued by China CITIC Bank, "Bank of China City Card" issued by Bank of China, "Fantasy Card" issued by Guangdong Development Bank and "Young Card" issued by China Merchants Bank.

I recommend you to apply for the China Merchants Bank Credit Card Center to promote the first dual-currency credit card exclusively for college students to various colleges and universities - Young Card. It is understood that the card has all the functions of current standard international credit cards. The overdraft limit for undergraduates is 3,000 yuan, and the overdraft limit for graduate students is 5,000 yuan. The maximum monthly overdraft cash withdrawal amount for undergraduate students is 1,500 yuan, and the monthly overdraft cash withdrawal limit for graduate students is 2,500 yuan. Whether you are a college student or a graduate student, you can withdraw cash once a month without any handling fee. However, if there is a personal deposit in the card, there is no need to pay interest when withdrawing cash or making purchases. If the cardholder has no own funds in the account and is purely overdrafted, there will be an interest-free period of up to 50 days, after which interest will be paid to the bank. , the interest rate is the same as other standard credit card overdraft rates.