How to apply for a college student's credit card

I. Applying for a college student's credit card

College students need to apply for a credit card near the university. Most banks far from the campus will not apply for a credit card for college students. College students need to show their identity to the bank staff before applying for a credit card. The credit card application is successful but the amount is relatively low.

Second, the application materials for college students' credit cards

The application materials for college students' credit cards are more important. Even if the bank introduces credit card business for students, the materials are not prepared enough, and it is easy to be rejected. At present, the bank has a wide range of cards on the types of materials, and as long as it can prove that you can change money, print it out for him to see.

Proof materials: three-month running of savings card, student ID card, Taobao transaction record, Alipay transaction record, and three-month phone bill and detailed list of local number, among which your parents will be contacted by phone to ask if you agree to handle credit card and parents' credit record.

Third, get a credit card and upgrade

The time to get a credit card is one week. The initial credit amount of a student's credit card is generally 5, yuan, which is used frequently in the later period and repaid in time. The bank will contact you by phone to increase the credit limit.

Precautions for handling college students' credit cards:

1. Go to the bank at the school gate for consultation. Generally, only the bank at the school gate will make student credit cards, and other outlets will not answer them.

2. Provide all materials to prove financial resources+parental consent.

3. if you can buy it by credit card, you can buy it by credit card, and then repay it immediately to increase the quota.

4. only one card is required, and the purpose is clear.

credit card collection methods for college students: express collection, delivery to school, and telephone call to the bank to collect.

university students' credit card opening method: after receiving the credit card, it is good to open it in the way designated by the bank.

university student credit card is a credit card issued by the bank specifically for university students. It has the functions of free remittance from different places, accumulated consumption points, and discounts for designated merchants. It is a good helper for students to open credit, be familiar with finance and enrich their lives.

can college students apply for ICBC credit cards?

You can apply for ICBC Peony Student Card or ICBC Cosmos Constellation Credit Card (campus version). Please provide a copy of your valid ID card and valid student ID card to apply for a student card at the local outlet where your institution is located. If you don't have a stable source of income, you must apply for a card through pledge or provide a second source of repayment. If you have a stable source of income, you must provide a certificate of stable income issued by the student affairs office or the finance office of the school.

The conditions for applying for the ICBC Student Card are:

Above p>1.18 years old, with full capacity for civil conduct, and the institution where the student card is issued is located;

2. Provide a complete application form signed by the applicant;

3. The contact person shall be a natural person aged between 18 and 65 with full capacity for civil conduct. At the same time, the first contact person must be a parent or spouse who is a domestic resident and works or lives in China, and the second contact person is a full-time counselor, class teacher, teacher or classmate of the applicant's school where the card issuing institution is located; The contact person shall provide effective contact information.

Provisions for the application of ICBC Cosmos Constellation Credit Card (Campus Edition):

1. Card application certificate: consistent with the application for ICBC ordinary credit card;

2. Constellation Card Campus Edition can issue credit cards, which are not limited to colleges and universities, and all college students can apply;

3. At present, credit cards with overdraft limit are only issued to designated colleges and universities (colleges and universities in China are opening up one after another). In addition to the card certificate, you need to bring the Letter of Commitment for Repayment for Student Customers (which can be downloaded from ICBC's official website) to the designated outlets of ICBC to fill in the paper application form;

4. The campus version of Constellation Card does not support the processing of supplementary cards, other credit cards under the campus version of Constellation Card, and supplementary cards, except mobile phone supplementary cards;

5. Amount adjustment: Cosmos Constellation Credit Card (Campus Edition) does not support the amount adjustment for the time being, and the branch channel does not accept the adjustment of the amount of this product in the counter channel.

(Answer time: June 1, 221, please take the actual situation as the case may be. )

Can college students apply for an ICBC credit card online

1. Yes, I can tell you from my practical experience that I applied for an ICBC credit card online. But the premise is that you must have ICBC online banking, because the first time you apply for a card, you have to go over the counter. Other banks, such as China Construction Bank, are semi-online applications, because they need to be printed and handed over to outlets.

2. As for those who have no annual fee, it seems that only the official business card of the budget unit of CCB has no annual fee.

3. As to which bank is easy to handle, the key depends on your credit standing, and ICBC is better to handle it. 1. You need to prepare the following materials to handle a credit card:

Work certificate and income certificate. You need to go to the bank to get this certificate application form, then fill in some basic information yourself, and then hand it over to the work unit with the official seal and then hand it over to the bank.

social security payment certificate. Social security payment certificate is a good proof of job stability, and the success rate of applying for social security card will be improved.

certificate of deposit. If there is a bank deposit, the applicant can issue a deposit certificate at the bank and then apply for a credit card from the deposit bank, which will improve the success rate of applying for a card.

vehicle license. If you apply for the owner's credit card, you also need to provide the vehicle driving license.

real estate license. Now if you want to apply for a large credit card, you can use the real estate license as proof of property.

you already have a credit card. If you have a credit card from another bank, you can use it as an additional material for applying for a card as long as it has been used normally for more than 3 months.

2. main features of credit cards

1. cash is not allowed to be pre-deposited, and it can be repaid after consumption, with interest-free repayment period, and can be repaid by installments (with minimum repayment amount), and it can be used worldwide by joining international credit card organizations such as VISA, MasterCard and JCB.

2. It is one of the fastest-growing financial businesses today, and it is an electronic currency that can replace the traditional cash circulation in a certain range.

3. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards.

4. It is a high-tech product integrating financial business and computer technology.

5. It can reduce the use of cash currency.

6. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.

7. It can simplify the collection procedures and save social labor.

8, can promote commodity sales, social needs.

Extended information:

College students' credit card function

1. Free remittance in different places: Parents can deposit cash in different places and withdraw money locally without paying any handling fee.

2. Cumulative points for consumption: when you use a credit card for consumption, you can accumulate points of the corresponding issuing bank, and the points can be exchanged for goods. The specific accumulation rules and convertible goods vary depending on the issuing bank.

3. Establish a credit record: A good credit record is convenient for handling housing loans or other consumer loans in the future.

4. Pay after spending: After spending by credit card, the bank will collect the money after 2-5 days without paying any interest or fees.

5. Installment shopping: You can apply for credit card installment payment when you buy your favorite computer and other big items, with the term ranging from March to 24 months.

ICBC's credit card application

The conditions for applying for a credit card are as follows: domestic people (excluding college students) are the main card applicants, and they must be natural persons over 18 years old (inclusive), with full capacity for civil conduct, and their work units or permanent residences are located in the card issuing institution, with stable income and above the local average. ICBC will conduct an audit according to your comprehensive assets, and the final approval will be subject to the approval of the card issuer.

you can apply for a card through the following channels:

1. online channel: you can log in to mobile banking and apply for an ICBC credit card through the function of "credit card-apply for a card". Or complete the application through official apps such as Ronge Lian and ICBC e Life; You can also apply online through online banking.

2. Offline channel: You can go to the nearby business outlets of China Industrial and Commercial Bank with your personal certificate, fill in the paper application form on the spot, complete it as required, attach the necessary materials and return it directly to the business outlets for application. The card issuance result is subject to the final approval.

(Answer time: April 22, 222. In case of business changes, please take the actual situation as the standard. )

what are the conditions for handling ICBC student credit cards?

conditions for applying for ICBC credit card: to apply for ICBC credit card, you must be at least 18 years old, work at the place where the card issuer is located, and your income is stable and above the local average. ICBC credit card will be audited according to the applicant's comprehensive assets, and the final ICBC credit card will be subject to the actual approval results.

to apply for an ICBC student card, a foreign student must be a natural person aged between 25 and 65 with full civil capacity. Its work unit is in the place where the card issuer is located, and its income is stable and above the local average;

whether your school can apply for a peony student credit card shall be subject to the actual application.

Extended information:

For Platinum cardholders, if they spend a total of 4 million RMB, they can be given a permanent annual fee-free discount for their primary and secondary cards. For individual cardholders with gold and ordinary cards, if they have no bad credit history and have held various credit cards of ICBC for more than 1 years (including 1 years) since the implementation of these Measures, they can be given a permanent annual fee-free discount for the main and secondary cards in an account.

ICBC's annual fee collection standard is to use it first and then collect it, that is, the annual fee will not be collected until the account is opened for one year. In this year, as long as you swipe 5 or 5, yuan (3 student cards or 3, yuan, and 16, points of Platinum cards are exchanged for annual fees or 2, yuan is exempted). At the same time, ICBC does not charge an annual fee for opening a credit card.

Baidu Encyclopedia-Industrial and Commercial Bank of China Credit Card

Industrial and Commercial Bank of China-Intelligent Customer Service

That's enough for the introduction of credit card applications for industrial and commercial college students.