What are the credit cards that students can apply for
Currently there are not many types of credit cards suitable for students, specifically the following types:
1. Industrial and Commercial Bank of China "Peony Student Card":
Peony Student Card is a dual-currency credit card product specially designed by the Industrial and Commercial Bank of China for college students and graduate students. This card can make deposits and withdrawals in other places, and there is no cash handling fee. There are also students who are paying overseas examination fees and can use RMB to purchase foreign exchange for repayment.
2. China Construction Bank’s “Long Card Student Card”:
The Dragon Card Student Card is a RMB credit card jointly issued by China Construction Bank and UnionPay***. Deposit (repay) money, and deposit (repay) money in the same city or in different places are free of charge, with no limit on the number of times, which can meet the needs of students for studying and save money transfer fees. There is no annual fee for this card in the first year, and the annual fee for the following year will be waived if you swipe the card three times a year (with no limit on the amount).
3. Agricultural Bank of China's "Youka (Campus Edition)":
Youka is an exclusive UnionPay credit card created by Agricultural Bank of China for college students. It can be used for deposits in the same city or in different places ( There is no charge for repayment. Cardholders can also enjoy free English, certificate examination, professional quality and other courses on NetEase Cloud Classroom.
4. China Merchants Bank’s “Young Card (Campus Edition)”:
China Merchants Young Card (Campus Edition) is an exclusive UnionPay credit card, and it is also a credit card with a limit of 0 card. Students can deposit first and then spend. Cardholders can enjoy the preferential consumption privileges of China Merchants Bank’s credit cards, as well as some exclusive campus discounts. Cardholders can also start to accumulate personal credit records while studying, and can switch to a credit card with a higher limit after graduation.
5. CITIC Bank’s “I Card (Campus Edition)”:
CITIC Bank I Card is an exclusive credit card for college students. Cardholders can enjoy 24-hour accidental hospitalization medical insurance. Services, whether on or off campus, if an accident occurs, there is no need to pay an admission deposit, you can check into the hospital by swiping your card, and you can get admission insurance up to RMB5,000. Cardholders will earn 1 point for every RMB 1 spent, and double the points for purchases made during the birthday month. With the I-card, you can quickly withdraw cash from ATMs, CDMs, and CDS machines with the UnionPay logo. The handling fee is as low as 1% of the cash withdrawal amount, with a minimum of only 5 yuan. Deposit in another place and withdraw cash locally, which is convenient and affordable.
What kind of credit card is better for students_Credit cards suitable for students
Nowadays, credit cards are no longer unfamiliar to many people, and they play a very important role in life. Big ones, many people will apply for one or more. So for college students, what kind of credit card is good for college students? Let’s take a look below.
What kind of credit card is better for students?
The basic threshold for students to apply for a credit card is that they must first be over 18 years old, and secondly, they must provide a second source of repayment, and confirm that the second source of repayment agrees in writing to assume the corresponding repayment responsibility.
However, the credit cards launched by many banks for college students have no limit, so the application process is simpler and the requirements are lower. It is better for college students to apply for this type of credit card. Here are a few recommended for you, as follows:
1. China Merchants Bank YOUNG Card (Campus Edition)
College students can apply for a credit card at bank branches or online. After the application is received, the credit card limit will be zero and will be temporarily sealed before graduation. , but you can deposit money there and then use the card to make purchases, and you can also enjoy various credit card promotions launched by China Merchants Bank.
Advantages of this card:
1. No annual fee for life.
2. The first two cash advance fees are waived when you withdraw cash from an ATM every month.
3. After applying for a verification card, there are a lot of new household gifts and wool available on the Palm Life APP.
What kind of credit card is good for college students and recommended credit cards for college students
What kind of credit card is good for college students and recommended credit cards for college students (Photo source: Photo Network)
As for How to get the credit limit? Generally, you have to wait until you graduate to transfer the card. You can transfer the card in the Palm Life App and you need to fill in the company information. After transferring the card to a new card, you can get a credit limit. Personally, I think the China Merchants Bank credit card is quite good, with a high credit limit and a very fast increase in credit limit.
2. Shanghai Pudong Development Bank Youth Campus Card
Advantages of this card:
1. The limit and benefits continue to grow.
2. No handling fee for overflow payment and cash withdrawal.
3. No annual fee for life.
The limit can be increased if parents guarantee it when applying, but if there is no guarantee, the limit will be 0. It is very simple for parents to write a guarantee. Send them an electronic form and ask them to print it. After filling it out, take a photo and send it to you. Then just submit the online application through the attachment. Generally, you can get a credit of about 3,000. You can usually use APPLE or Samsung. , Huawei, Xiaomi PAY, can increase the amount faster.
3. Industrial Bank Industrial Bank Credit Card Campus Edition
Industrial Bank Industrial Credit Card Campus Edition is a UnionPay gold card. There is no application entrance for it on the official website of Industrial Bank Credit Card, so You can only apply at the bank branch counter. Regarding this credit card, there is very little introduction on the official website. I only know that this card has no limit and no annual fee. In the future, you can only obtain the limit by submitting proof of employment through an outlet.
Advantages of this card:
1. There is no annual fee during the validity period of the card.
2. There is no handling fee for withdrawing excess payment.
3. If the card usage reaches the standard in the current month, points will be awarded for all online transactions in the next month.
4. CITIC Bank JD Little White Card
As for this JD Little White Card, it is highly recommended to students. This card is launched by JD Finance and CITIC Bank. The main target group for co-branded credit cards is the young consumer group born in the 1990s. For those who have no proof of income and no credit record, they often say that they can accumulate credit through online consumption and JD.com IOUs, and use these consumption data to apply for this credit card.
If your Jingdong Xiaobai credit score is above 60 points, then if you make your first payment within 60 days after the card is approved, you can bring your friends to enjoy a 5-star buffet for two people and one person for free within one year. activity; if the total consumption reaches 399 yuan within 60 days after the greeting card, you can use 9 yuan to redeem it after T+2 to get a "Meilu Backpack" belonging to the new user.
Within a certain period of card issuance, after spending a certain amount (a purchase of 99 yuan within 60 days), rewards (Starbucks coffee or Haagen-Dazs ice cream) will be given, and 9-share redemption activities will be given. Every natural month, you can get one benefit by swiping your card for 3 purchases of 299 yuan (inclusive). No more than 3 times a month, you can use 9 points to redeem Starbucks coffee, Burger King, Haagen-Dazs, etc.
5. Construction Bank Student Series
Usually the amount is lower, subject to the specific application situation.
There is no annual fee if you swipe the card or withdraw cash 3 times for the regular gold card or 18 times for the platinum card. (Different card types vary)
Copies of ID card and student ID are required, and relevant declaration materials need to be filled in and submitted by the applicant’s parents (or relatives).
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 a high-level card like the Platinum Card has high financial requirements for the cardholder. Naturally, when faced with customers such as college students with average repayment ability, the card is usually refused to be approved.
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.
Which bank’s credit card is suitable for students?
1. Nowadays, most banks have college student card business, such as China Merchants Bank, CITIC, ICBC, China Construction Bank, Agricultural Bank of China, Shanghai Pudong Development Bank, Guangfa, etc. The maximum credit limit for college student cards for undergraduates is 3,000 yuan, and the maximum cash withdrawal limit is 1,500 yuan. The card-issuing schools locked by the card-issuing bank are generally the national 211 project schools, and there are also some well-known local schools. If your school is not listed as a card-issuing school, you cannot apply for a college student credit card; college students, three independent majors, adults Education, TV University, distance education, and self-study students cannot apply.
2. Applicants for college student credit cards must be full-time undergraduate students. Some banks have certain requirements for freshmen or seniors. In addition, applicants cannot have student loans. Applicants need to provide Copies of ID card and student ID card.
3. If your school is not a card-issuing school, or the applicant is not an undergraduate student, or a student with a student loan meets one of the conditions, you cannot apply for a college student credit card.
4. If your parents have regular jobs, you can let your parents apply for a credit card, and you can apply as an additional card applicant at the same time. The additional card applicant only needs to provide a copy of your ID card and add it to the application form. Just sign at the signature area of ??the supplementary card. As long as the main card is approved, the supplementary card will basically be approved, so you can get a credit card.
What are the credit cards that students can apply for
Some banks have launched exclusive credit cards for young people, such as Industrial and Commercial Bank of China Peony Student Card, China Construction Bank Long Card College Student Card, Agricultural Bank of China Excellent Card (Campus Edition), China Merchants Bank Young Card (Campus Edition), etc. If the student cannot provide proof of employment and income, and cannot guarantee normal repayment, the bank will still be cautious in reviewing the student's card application, but will also consider issuing a card to the student
In addition to applying for a parent's credit card as the primary card, the bank In addition to supplementary cards, you can also apply for the following credit cards:
1. Young card dual-currency credit card is a credit card specially targeted at college students. The application method is relatively simple. You only need to provide your identity information and your personal information. Proof of assets.
2. Peony Student Card is a dual-currency credit card product specially designed for college students and graduate students. Those who need to be in 211 key universities directly under the Ministry of Education or above, or those who have positions in colleges and universities can be considered.
3. Fantasy card is also a good choice. It is also a credit card for students. It also requires proof of enrollment and university cadres.
: Credit card is also called a credit card. A credit certificate issued by a commercial bank or credit card company to a credit-qualified consumer. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
Bank card. 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. Not a 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.
That’s it for the introduction to student credit card selection.