Can students apply for a credit card? What is the limit?

Students can apply for a credit card.

College student credit cards have limits. It’s just that college students do not have a stable financial source after all, and their repayment ability is not strong. Therefore, compared with office workers, the credit card limits applied for by college students usually do not have too high a limit. Banks usually only grant credit lines of a few thousand yuan to college students. Others may only have a quota of a few hundred yuan, or even 0 yuan.

Generally, the higher your academic qualifications, the higher the card limit you are likely to be approved for. If you have a bachelor's degree, the credit card limit is usually between 500 and 2,000 yuan; if you apply for a credit card with a master's degree, the limit is usually around 1,000 to 4,000 yuan; as for doctoral students, the credit card limit will be 2,000 yuan. Between 1,000 and 6,000 yuan.

If the approved card has a lower limit, you can also increase the limit during subsequent card use. With credit cards, you can generally withdraw a fixed amount after using the card for 6 months.

As long as you keep good card usage records, spend more with your card, and pay back your money on time without overdue payments. After applying to the bank for a limit increase, you can generally get a higher score in the bank's review, and the bank is likely to increase the card limit.

Student credit cards with limits. What is the application limit for student credit cards.

Student credit cards are credit cards issued specifically for school students. So what are the student credit cards with limits? What is the application limit for student credit cards?

Student credit cards generally have free features Basic functions such as long-distance remittance, consumption first and repayment later, installment shopping, and temporary increase in overdraft limit. Currently, the more popular ones include Peony Student Card, Dragon Card College Student Card/Prestigious School Card, and Agricultural Bank of China’s Excellent Card.

The credit limit of ICBC’s Peony Student Card varies with the cardholder’s academic qualifications, ranging from RMB 500 for a bachelor’s degree, RMB 1,000 for a master’s degree, and RMB 2,000 for a doctorate.

The credit limit of China Construction Bank’s Long Card Prestigious School Card also varies with the cardholder’s academic qualifications: 1,000 yuan for a bachelor’s degree, 3,000 yuan for a master’s degree, and 5,000 yuan for a doctorate.

The credit limit of Agricultural Bank of China's Youka is generally 500 yuan, with a maximum of 2,000 yuan.

The Fantasy card of Guangfa, which has been discontinued, has a higher limit, 2,000 yuan for undergraduates, 4,000 yuan for masters, and 6,000 yuan for doctoral students.

The Bank of China Taobao Campus Card is a credit card, but it does not have an overdraft limit.

To apply for these student credit cards, you generally need to provide a copy of your ID card, student ID card or original certificate from your department, and then go to a nearby bank branch to apply.

What is the credit limit for college students to apply for a credit card?

The credit limit for college students to apply for a credit card (credit card) is generally about 1,000 to 5,000 yuan. The credit card (credit card) applied for by college students does not have any credit history, and most of them do not have a lot of credit certificates. In order to protect their own interests from losses, banks will not limit college students' credit limit to too high. However, as long as the card can be approved, you can apply for a temporary quota adjustment or a long-term quota increase based on your usage after graduation and getting a job.

What is the general limit of a student credit card?

What is the limit of a college student credit card from major banks?

1. The limit of ICBC’s “Peony Student Card” is 500-10,000

2. The limit of China Construction Bank's "Long Card Student Card" is between 1,000-5,000 yuan;

3. The limit of Agricultural Bank of China's Premium Card is between 500-2,000 yuan;

4. The limit of Bank of Communications’ Y-POWER card is between 5,000 and 50,000 yuan;

5. The limit of China Merchants Bank’s “Young Card” is between 1,000 and 50,000 yuan;

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6. The limit of "I Card" issued by China CITIC Bank is between 10,000 yuan and 50,000 yuan;

7. The limit of "Fantasy Card" issued by China Guangfa Bank is between 2,000 and 6,000 yuan.

In general, the Y-POWER card of Bank of Communications and the "Young Card" of China Merchants Bank have a higher limit, with a maximum limit of 50,000, while the maximum limits of college student credit cards from other banks are mostly around a few thousand yuan.

But it doesn’t mean that you can have the maximum limit you want just by applying for a card. The bank's credit card evaluation system is very complex, including personal credit information, company type, income certificate, etc. College student credit cards also take academic qualifications into consideration.

Extended information

1. How to apply for a credit card for college students?

When college students apply for credit cards, banks usually do not approve them because they have not yet worked and have limited financial capacity. Therefore, if you want to have a high success rate, you must apply during the bank’s water release period. Banks will hold activities for students at the beginning of school or during major festivals. At this time, remember to seize this opportunity and carefully ask the bank staff at your school. When applying, you should ask clearly about the calculation of the credit card annual fee, overdraft amount, repayment period, withdrawal fees, etc. After filling in the information carefully, bank staff will copy your ID card, student ID card, etc. Then wait for the phone call to collect your credit card.

2. Is it easy to apply for a credit card for college students?

1. Since college students have little source of income, the approval rate for college students to apply for credit cards is not high. However, some banks have special student credit cards, such as China Merchants Bank young card, China Guangfa Bank student card, etc. However, the card-issuing schools targeted by card-issuing banks are generally the national 211 project schools, as well as some well-known local schools.

2. If your school is not listed as a card-issuing school, you cannot apply for a college credit card; junior college students, three independent majors, adult education, TV University, distance education, and self-study students cannot Even if you have a student loan, you cannot apply.

3. If you meet the application conditions, you can provide copies of your ID card and student ID card to the bank for application. The credit limit for college students will not be very high. The maximum credit limit for undergraduate students is 3,000 yuan, and the maximum cash withdrawal limit is 1,500 yuan. If the applicant has a car and a house in his name, the amount will be relatively higher.

This concludes the introduction to whether there is a credit limit for college students and the general credit limit for college students. Have you found the information you need?