1. Banks generally encourage credit cards, but the amount of credit cards that college students can apply for is not high. In other words, the credit card limit of college students will not be very high, and it is necessary to improve the credit card limit through practice.

2. When applying for a college student credit card, you need to meet the conditions of 18 years old, and provide information such as ID card and campus card. The specific materials shall be subject to the issuing bank.

Extended data

First, college students can use credit cards. Anyone who is 18 years old and has full capacity for civil conduct can apply for a credit card. Many banks have also launched exclusive credit card products for college students, such as YOUNG Card of China Merchants Bank, JOY Card Student Edition of China Construction Bank, Y-POWER Card Campus Edition of Bank of Communications, Peony Student Card of Industrial and Commercial Bank of China and so on.

Second, in fact, if parents have a credit card, they can apply for a supplementary card to their parents' credit card at the age of thirteen or fourteen. Of course, the amount of the supplementary card is generally set by the main cardholder, and the repayment is also included in the bill of the main card and returned by the main cardholder.

However, if college students apply for their own credit card master card, the credit card quota is usually not high because they generally have no job and no stable source of income.

When using credit cards, college students should also pay attention to their own economic situation and repayment ability to make reasonable consumption, and don't blindly swipe their cards, so as to avoid excessive repayment, which will lead to overdue repayment and affect personal credit.

Bad records of overdue credit cards cannot be removed, but bad records are generally kept for 5-7 years, which means that bad records can be automatically eliminated after 5 years.

Three, some suggestions to eliminate bad records:

1. Credit card records only show the last 24 months, and previous records are hard to find. So don't cancel your credit card after you have a bad record, and don't care if the bank urges you to cancel it in time. As long as the cardholder spends at least 1 yuan every month in the next 24 months and repays on time, the previous bad record can be overwritten and a good record can be regenerated without affecting the subsequent credit.

2. Banks will also be people-oriented. As long as the bad records are not uploaded to the system, usually 90 days, the cardholder will actively and continuously open the card bank, explain the reasons and take corresponding remedial measures, and the bank will usually help customers eliminate bad credit records.

3. The People's Bank of China generally only keeps personal credit records for 7 years. So as long as the cardholder has no bad record within 7 years after the bad record is generated. Then the People's Bank of China will automatically delete the bad records of cardholders.