Most of the China Merchants Bank credit card limits applied by college students are sealed. Even if there is a limit, most of them are only one or two thousand. Because you are still a student and do not have much repayment ability, so naturally you cannot The quota given to you is too large. Of course, if there is no limit but you want to use this card, you can choose to deposit money into the card yourself first, and then use the card to make purchases. Any time you swipe your card for consumption, CMB will record it. Every time you swipe your card, you will accumulate your own personal credit. When your credit value is high enough, CMB will also increase your credit limit. 1. Why do college students have no limit on their credit cards?

The main reason is that college students do not have the ability to repay, so giving them a credit limit to allow them to spend in advance will have certain risks. It is easy to have no money and overdue repayments, which will be very troublesome when the time comes to form bad debts. Therefore, although banks can approve cards for college students, they usually do not grant credit limits. Generally, the credit limit is sealed before graduation.

However, there are some bank credit cards for college students that have credit limits, such as the Bank of China Zan Card series and the Minions series, which can be applied for by colleges and universities; the CITIC Bank Campus i Card series can only be applied for by schools above 211. Apply; Guangfa's Baifaner card series, which can be applied for by undergraduate colleges and universities, etc. These credit card limits are usually related to academic qualifications.

2. Do college students have no spending limit on their credit cards?

College students have no credit limit and can spend money by depositing money.

You can also enjoy the credit card discounts of the issuing bank. The biggest advantage is that it can help you accumulate credit in advance when you are a student, and basically there is no annual fee within the validity period. You can also withdraw cash for free, so you can use it frequently. If the card is transferred after graduation, the approved credit limit will be higher.

3. What should college students do if they have no credit limit?

If a college student's credit card is approved without a limit, there are ways to obtain the limit. It needs to be verified by the parents, that is, the parents provide a repayment guarantee letter to the bank.

For example, China Construction Bank will first issue a student credit card with a "sealed limit", and then the applicant will invite the second source of repayment to go to any CCB outlet to sign the "Statement of Second Source of Repayment for China Construction Bank Student Credit Card" and After completing the "Limit Adjustment Application Form", the credit card limit can be released.

If this is not possible, just ask the immediate family members to apply for a supplementary card, so that the consumption incurred by the college student can be repaid by the immediate family members.