College students do not have credit records when applying for credit cards, and most of them do not have many credit certificates. In order to ensure that their interests are not lost, the bank's amount for college students will not be too high. So, how much does a college student need to apply for a credit card? What is the maximum credit card amount for a college student? Xiao Nian will help you understand.

University credit cards mainly include China Merchants Bank Young College Student Card, Industrial and Commercial Peony Student Card, etc. Here is a general comparison of some overdraft limits for college students. Of course, the specific changes depend on credit verification.

Peony student card: 500 yuan for undergraduates, 1,000 yuan for masters, 2,000 yuan for doctoral students

Longka student card: 1,000 yuan for undergraduates, 3,000 yuan for masters, 5,000 yuan for doctoral students

Agricultural Bank of China Premium Card: 500 yuan, up to 2,000 yuan

Guangfa Fantasy is 2,000 yuan for undergraduates, 4,000 yuan for masters, and 6,000 yuan for doctoral students

It can be seen that the general amount of student credit cards is not high , the maximum amount for college students is only about 2,000 yuan. And generally banks have overdraft restrictions, and one consumption cannot exceed 60. Student credit card withdrawals generally do not exceed 1,500 yuan, depending on bank limit regulations.

Tip: As a student, you can apply for a credit card within 3,000 yuan, which can not only meet your daily credit card needs, but will not lead to excessive credit cards and become a debtor.

In addition, credit cards also have bookkeeping functions, which can help college students form bookkeeping habits; in addition, credit cards have a certain interest-free period. In daily life, credit cards can solve problems without cost and avoid borrowing from others. Money troubles; finally, as long as there is no overdue repayment record, a credit card can establish a good personal credit record, which is more beneficial to students in applying for loans, working, starting a business, going abroad, etc. in the future.

Although credit cards are convenient to use, they also exercise students’ independent financial management capabilities to a certain extent. However, after all, most students do not have independent financial ability to repay a large amount of credit card debts. They are often passive, or even Failure to repay on time can easily affect personal credit. Therefore, professionals remind college students to be careful when using credit cards.

The editor recommends that students use supplementary cards so that parents can understand their consumption situation and have certain binding force.