1. At present, most banks have college student cards, such as China Merchants Bank, China CITIC Bank, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Shanghai Pudong Development Bank and China Guangfa Bank. The maximum credit limit for undergraduates with student cards is 3,000 yuan, and the maximum cash withdrawal limit is 1.500 yuan. Card-issuing schools locked by card-issuing banks are generally national 2 1 1 engineering schools, and there are some well-known local schools. College students, three independent majors, adult education, TV University, distance education and self-taught students cannot apply.
2. University credit card applicants must be full-time undergraduates. Some banks define an application as a freshman or a senior. In addition, the applicant cannot have a student loan, and the applicant needs to provide a copy of the ID card and student ID card.
3. The school is not a card-issuing school, or the applicant is not an undergraduate, or a student with a student loan meets one of the conditions and cannot apply for a college student credit card.
4. If my parents have a regular job, they can apply for a credit card, and I can apply at the same time as a supplementary card applicant. Supplementary card applicants only need to provide a copy of their ID cards and sign the supplementary card signature on the application form. As long as the main card is approved, the auxiliary card is basically approved, so you can get a credit card.
What kind of credit card is better for students?
Nowadays, credit cards are no strangers to many people. They play a very important role in life. Many people will apply for one or more credit cards. So what kind of credit card should college students apply for? Let's have a look.
What credit card is better for students?
The basic threshold for students to apply for a credit card must be at least 18 years old, and then they must provide a second repayment source and confirm in writing that the second repayment source agrees to bear the corresponding repayment responsibility.
Many banks offer credit cards for college students without a quota, so the application process is simpler and the requirements are lower. It is best for college students to apply for such a credit card. Here are some recommendations for everyone, as follows:
1, China Merchants Bank Youth Card (Campus Edition)
College students can apply for credit cards at bank outlets or online. After the application, the credit card limit is zero, and it will be temporarily sealed before graduation. But they can deposit money in it, spend it by credit card, and enjoy various credit card preferential activities launched by China Merchants Bank.
Advantages of this card:
1, free of annual fee for life.
2. Withdrawing cash from ATM every month is exempt from the handling fee for the first two cash receipts in advance.
3. After applying for the nuclear card, there are many new home gifts and wool in the Pocket Life APP.
What kind of credit card do college students apply for, which is suitable for college students' credit card recommendation?
What kind of credit card do college students have, which is suitable for college students' credit card recommendation (Source: Photo Network)
As for how to get the quota, you usually have to wait for the transfer card after graduation. The card transfer can be operated on the Pocket Life App, and the company information needs to be filled in. After the card is transferred, it is a new card and you can get the quota. Personally, I think China Merchants Bank's credit card is quite good, with high quota and very fast withdrawal speed.
2. Shanghai Pudong Development Bank Youth Campus Card
Advantages of this card:
1. quotas and share capital continue to grow.
2. Free of overpayment of cash withdrawal fee.
3. Free annual fee for life.
When applying, the parent company can increase the amount of guarantee, and if there is no guarantee, the amount will be 0. It's simple for parents to write a letter of guarantee. Send them a spreadsheet and let them print it out. Just fill it out and take a photo and send it to you. Then you can apply online and submit it through the attachment. Generally, you can get a quota of about 3000 yuan. You can use more Apple, Samsung, Huawei and Xiaomi PAY to raise the amount faster.
3. Industrial Bank Xingdong Credit Card Campus Edition
The campus version of Xingdongli Credit Card is UnionPay Gold Card, but its application entrance can't be seen in official website of Industrial Bank Credit Card, and it can only be applied at the counter of bank outlets. About this credit card, official website introduced very little, only knowing that this card has no quota and no annual fee. Later, you can only obtain the quota by submitting your work certificate at the outlet.
Advantages of this card:
1, the card is free of annual fee within the validity period.
2. Overpayment of cash withdrawal is free of charge.
3. The card is up to standard in the current month, and all online transactions in the next month have points.
4. CITIC Bank JD.COM Xiaobai Card
As for this small white card from JD.COM, it is highly recommended to students. This card is a joint credit card launched by JD Finance and China CITIC Bank. Mainly for young consumers born after 90. For those who have no proof of income and no credit history, they always say that they can accumulate credit through online consumption and JD.COM IOUs, and use these consumption data to apply for this credit card.
If your JD.COM Xiaobai credit score is above 60, you can make the first brush within 60 days after checking the card, and you can take your friends to enjoy the five-star buffet with two people walking together and one person free of charge within one year; If the total consumption reaches 399 yuan within 60 days after greeting cards, 9 yuan can exchange a new user's "American travel backpack" after T+2.
Reward (Starbucks coffee or Haagen-Dazs ice cream) after spending a certain amount within a certain period of card issuance (99 yuan is filled at one time within 60 days), and share the exchange activities. Every natural month, if you spend more than 299 yuan (inclusive) and spend more than 3 times, you will get 1 time interest, and you can exchange 9 points for Starbucks coffee, Burger King, Haagen-Dazs and so on.
5. China Construction Bank Student Series
Usually the amount is low, depending on the specific bidding situation.
There is no annual fee for 3 swipes or withdrawals with Puka Gold Card and 18 swipes or withdrawals with Platinum Card. (There are differences between different card types)
Copy of ID card and student ID card is required, and relevant application materials should be filled in and submitted by the applicant's parents (or relatives).
The easiest credit card for students to use
What are the credit cards suitable for students?
1, ICBC Peony Student Card-According to the application of students' academic qualifications, it generally does not exceed 2,000 yuan, 4,000 yuan for master students and 10000 yuan for doctoral students. Its advantages are: free local cash withdrawal, installment payment for purchased goods, and interest-free period of up to 56 days.
2. Construction Bank Longka University Student Card-determine the loan amount according to personal circumstances. Benefits: goods can be paid in installments; Applicants' requirements: they must apply at the outlet of China Construction Bank, and they must be at least 18 years old.
3. Bank of Communications Y-Power Card
Benefits: The minimum 500 yuan installment withdrawal fee is low, so you can apply directly on the website.
4. China Merchants Bank-Youth Card
Benefits: the application is simple, you can attend the card swiping ceremony (men's grooming package), and you can apply directly online.
Students can't provide proof of work and income and can't guarantee normal repayment. Banks are still cautious about applying for student cards. On the other hand, in order to retain these potential stocks in the future, banks will also issue cards to students as appropriate. Students can apply for loans when necessary, but they should choose the appropriate credit card according to their own needs.
Let's talk about which bank's credit card is the best introduction.