The differences between China Merchants Bank student credit cards and ordinary credit cards:

1. The overdraft withdrawal limit is limited. The overdraft limit is very limited, for example, it can only be an overdraft of ten yuan, because the student has no income and no ability to repay debts. For ordinary credit cards, the credit limit will be comprehensively assessed based on the applicant's income and other repayment capabilities. The minimum overdraft can be a few thousand, and the maximum overdraft can be tens of thousands or hundreds of thousands.

2. Different card types. Student credit cards are only for students in school, while ordinary credit cards are different. Anyone can apply for an ordinary credit card as long as they pass the bank's review.

3. There are limited banks that support student credit cards. ?Including the "Peony Student Card" issued by the Industrial and Commercial Bank of China, the "Dragon Card Student Card" issued by China Construction Bank, the "Excellent Card" issued by the Agricultural Bank of China, the "Young Card" issued by China Merchants Bank, and the "Young Card" issued by Guangdong Development Bank. Fantasy Card", the "I Card" issued by China CITIC Bank and the campus version of the CMB League of Legends Credit Card that is being issued. There are no bank restrictions for ordinary credit cards. You can choose the bank you need to apply for according to your preferences.

Extended information:

Tips for increasing the credit limit:

Consistently and frequently use credit cards for consumption. Continuity means that after having a credit card, you must insist on long-term credit card consumption. It is best to generate a credit card consumption limit every month for more than three consecutive months. Do not use it for a period of time and then freeze it for a long period of time.

Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you have a credit card. It is difficult to raise the amount due to suspicion of cash withdrawal.

Reference material: Baidu Encyclopedia—Credit Card for College Students

Reference Material: Baidu Encyclopedia—Ordinary Credit Card

Reference Material: Baidu Encyclopedia—Credit Card Limit