Under normal circumstances, citizens with full capacity for civil conduct (Chinese mainland 18-year-old citizens) who have a certain direct source of income can apply for a credit card from the bank. When college students apply for credit cards, the pass rate is generally lower, because they can't provide proof of income and work, and banks can't judge whether they have the ability to repay. However, you can try to apply. At present, the banks that support college students to apply for credit cards include Guangfa Bank Student Credit Card, China Merchants Bank Youth Card, China Construction Bank Student Credit Card and Agricultural Bank Discount Card.

Any credit card can be overdrawn, but repayment by installment needs to meet certain conditions. Take ICBC as an example:

1. ICBC's credit card can buy things in installments on Taobao. However, some ICBC credit cards cannot be phased. It is suggested that the landlord call customer service first to ask.

2. If it is a card that can be paid by installments, and the amount of a single transaction is greater than that of 600 yuan, you can apply for installment payment from the day after swiping the card to the repayment date of the amount.

3. Generally, ICBC's credit card can be divided into 24 installments, and the standard handling fee for 24 installments seems to be 15.6% (if I remember correctly), but now many cities in ICBC have preferential handling fees for installment payment. Please contact customer service for details.