Student credit card is a credit card specially issued for students at school. Generally, students' credit cards have some basic functions, such as free remittance in different places, repayment after consumption, installment shopping, and temporary increase of overdraft limit. The popular ones are Peony Student Card, Longka Student Card/Famous School Card and Agricultural Bank discount card.
The credit limit of ICBC Peony Student Card varies with the cardholder's educational background. 500 yuan is an undergraduate with a master's degree 1000 yuan and a doctor's degree of 2,000 yuan.
The credit line of the famous Longka card of China Construction Bank also varies with the cardholder's educational background, with undergraduate 1 1,000 yuan, master's 3,000 yuan and doctor's 5,000 yuan.
The credit limit of ABC's excellent card is generally 500 yuan, with a maximum of 2,000 yuan.
Guangfa Fantasy Card, which has stopped issuing, has a high quota of 2,000 yuan for undergraduates, 4,000 yuan for masters and 6,000 yuan for doctors.
In addition, the campus card of China Bank Taobao belongs to the credit card category, but there is no overdraft limit.
To handle these student credit cards, it is generally necessary to provide a copy of my ID card, a copy of my student ID card or the original certificate of my department, and then go to a nearby bank outlet to handle it.
1. Can students apply for a credit card?
Banks can issue credit cards to eligible students. According to the law, students must be over 18 years old to apply for a credit card. Students without fixed income need a written guarantee that the second payer (parents, guardians or other managers) is willing to repay the loan on their behalf.
Refer to relevant laws:
Measures for the supervision and administration of credit card business of commercial banks Article 44 The issuing bank shall not issue credit cards (except supplementary cards) to customers under the age of 18.
Article 45 There shall be no more than two issuing banks (except supplementary cards) that issue student credit cards to the same applicant.
Before issuing student credit cards, the issuing bank must confirm the second repayment source, obtain written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on its behalf, and confirm the authenticity of the identity of the second repayment source. Before increasing the student credit card limit, the issuing bank must obtain the written guarantee materials from the second repayment source (parents, guardians or other managers, etc.). They agree and are willing to repay on their behalf.
A commercial bank shall formulate a management system for student credit card business according to the principle of prudence, and evaluate, calculate and reasonably determine the first credit line of its student credit card and the highest credit line adjusted according to the card usage according to the actual situation of business development. Student credit cards are not allowed to be used beyond the limit.