It is recommended that you apply for a student credit card from China Merchants Bank. You can go to China Merchants Bank with your ID card or a copy and your student ID card. Generally, it will be issued within 1 month after successful review, but you must meet the conditions for applying for the card, mainly: Your school is satisfied. As far as I know, that card is very good for students, with an interest-free period of 21 to 49 days and an overdraft of 3,000 yuan.