Can college students apply for a CCB credit card?

Yes, but according to regulations, college students need to identify a second repayer when applying for a credit card, so parents or relatives need to sign a guarantee statement.

Education restrictions are the first prerequisite for students to apply for a credit card. They must be over 18 years old and have a full-time undergraduate degree or above to apply. If they are only students in technical secondary schools or higher vocational schools, the possibility of success is Basically zero. In addition, the application quota for pure college students is also relatively low. If you have one, it depends on the type of job and income level. It is best to choose a regular company, one that can sign an internship or contract, or one with a work permit. This will help the bank verify the information. At the same time, , your card approval limit will also increase a lot accordingly.

There are three ways to apply for a credit card:

1. Go to the bank counter to apply for a credit card.

Going to the bank counter to apply for a credit card requires a lot of information, but if you can provide proof of assets such as cars, real estate, bank card statements, etc., the credit limit will be higher.

2. Apply for a credit card online.

Applying for a credit card online is the most common method. You can apply anytime and anywhere, the materials are simple, and the approval is fast. Finding someone with good credit and a high credit limit to recommend you to apply for a card can also increase your chances of approval.

3. Apply for a credit card through the salesperson.

The advantage of asking a salesperson to apply for a credit card is that they will try their best to help you apply for the card, because whether to apply for the card is also related to his own commission. If you go to a salesperson to apply for a card, you will get some help in preparing information and answering questions for return visits.

What kind of credit cards can students apply for?

College students can apply for credit cards. As long as you are over 18 years old, you can go to the bank to apply for a credit card. If college students want to apply for a credit card, it is recommended that they apply for it during the first semester. After all, many banks will have corresponding activities during the first semester. It may be smoother for college students to apply for a credit card at this time.

Of course, college students can go to a bank branch to apply for it themselves. They just need to pay attention to choosing the card type according to their own needs. For example, you can choose to apply for a card specially designed for young people, because most of these cards are ordinary cards, the application conditions are relatively simple, and it is easier to apply for them.

If you apply for a platinum credit card, it will be difficult to do so. After all, college students do not have formal jobs and therefore do not have a stable source of economic income. And high-level cards like Platinum Card have high financial requirements for cardholders. Naturally, when facing customers with average repayment ability, such as college students, they usually refuse to approve the card.

College students can also directly apply for a credit card online. The online application steps are simpler. You can log in to online banking on a computer or mobile banking or credit card APP on your mobile phone.

Types of credit cards

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status.

The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

Can college students apply for a CCB credit card?

Students: Full-time college students aged 18 or above with a college degree or above can apply for a CCB college student credit card. Application method 1: Log in to the official website of China Construction Bank, enter the credit card application page, and select the "Students" category in the card category "Full Product Series" to view and select the student products to be applied for. Application method 2: You can submit your application directly through the CCB branch near the school. Note: According to the regulations of the China Banking Regulatory Commission, if college students apply for a credit card and require a credit card limit, they must provide written guarantee materials from the second source of repayment (parents, guardians or other managers) who intend to repay the money on their behalf.

Fresh graduates: Apply for a credit card in the same way as ordinary customers, but must provide a tripartite employment agreement, a copy of the dispatch certificate or a list of employed students confirmed by the school seal.

(In case of business changes, please refer to the actual situation.)

This is the end of the introduction about CCB student credit card and whether CCB student credit card can be installed with Apple. Did you find the information you needed?